Overview
The goal of this project is to investigate how climate risk affects commercial loans in the US. Similar work has been done by Prof. Keys, looking into residential loans as opposed to commercial. This may be found here: https://www.nber.org/papers/w27930.pdf.
For the current project, Prof. Keys is using commercial loan data acquired from TREPP, “the industry’s largest commercially available database of securitized mortgages.” Additionally, to measure overall climate risk, he is using raw data from the National Interagency Fire Center, National Centers for Environmental Information, National Hurricane Center, National Risk Index, and First Street Foundation.
TREPP Data
Location
The raw data acquired from TREPP comes in 11 zipped folders (found at
projects/Climate_Risk_index/trepp/data/raw). Each one of
these zipped folders contains another \(\approx\) 12 zipped folders grouped by
month (eg, feed_014_201510.zip). It is inside of these
folders that the actual data sets may be found.
Raw
The actual data consists of multiple different versions of four
different files, named loan.csv, loan2.csv,
note.csv, and prop.csv. All these files have
been preprocessed, cleaned, and grouped using R. The
scripts used for this may be found at the following path:
projects/Climate_Risk_index/trepp/code/r.
The Code
(1) 01_prep_trepp_data.R
May be ignored; this was Jorge’s first attempt at loading the data. This file was left untouched.
(2) 02_clean_trepp_data.R
This file unzips all folders and subfolders. It then binds together
the multiple versions of the four main files: loan.csv,
loan2.csv, note.csv, and
prop.csv. The final output are 4 CSV files (with years and
dates), of all the individual files combined and only the variables of
interest. They are named: 02_loan_data.csv,
02_loan2_data.csv, 02_prop_data.csv,
02_notes_data.csv, and may be found at
Climate_Risk_Index/trepp/data/. This script ought to be run
in HPCC because of memory constraints.
(3) 03_explore_trepp_data.R
This script creates unique identifiers for each of the loans within
the datasets loan, loan2, and
prop. For instance:
loan <- loan[, unique_id :=
paste0(
dosname, # trepp deal name
masterloanidtrepp, # Master Loan ID
notenum # Note Number
) ](4) 04_summarize_trepp.R
This script creates a summary of each unique loan, indicating their performances and characteristics (an example may be seen in the code chunk below). It also creates indicator variables (0 or 1) for their different LTVs (eg, <70, 70-75, etc)
loan_summary <- loan[, by = unique_id, # group by id
.( # summarize
origdate = first(origdate),
lat = first( lat ),
long = first( long ),
mean_actpmt = mean( actpmt, na.rm = T ),
median_actpmt = median( actpmt, na.rm = T ),
wac = mean( securwac, na.rm = T ),
initial_ltv = first( ltv ),
dscr_trepp = first( securnetcfdscr ),
dscr_crefc = first( mrfytddscr ),
# ever_bankrupt = ifelse( any( as.double(bankruptcyflag) + 0 > 0, na.rm = T), 1, 0),
ever_delinquent = ifelse( any( dlqderivedcd %chin% c( "1", "2", "3", "6") ), 1, 0),
ever_foreclosed = ifelse( any( dlqderivedcd == "7" ), 1, 0 ), # "7" = forec. in process
mean_actual_balance = mean( balact, na.rm = T ),
median_actual_balance = median( balact, na.rm = T )
) ]Below is a random sample of it:
(5) 05_add_tracts_trepp.R
This R file extracts the census tracts for
“collapsed” loans based on their latitude and longitude coordinates
using R’s {simple features}. In other words, we now have
the same variables as above but now with the corresponding
census tracts, lat and long
coordinates, county fps, state
fps, and some other geographic variables for each loan.
(6) 06_risk_zip_trepp.R
Based on the census tract, this file extracts the respective zip code of each observation using the following publicly available crosswalk: https://www2.census.gov/geo/docs/maps-data/data/rel/zcta_tract_rel_10.txt.
Once the zip codes are retrieved, the R script identifies the
respective risk_scores for each loan location. It does so
based on the following dataset created by Jorge Tello:
Climate_Risk_index/LLMA/data/3_NRI_FSF_risk_by_zip.dta
This final data is stored at
Climate_Risk_index/trepp/data/summaries/by_zip/summary_w_zip_n_risk.csv
Here is what that looks like:
(7) 07_scatterplots_trepp.R
This R script uses different OLS Models to emplore the relationship
between Climate Risk and
Weighted average coupons (WAC) across the country. For
instance, this one below. And it is using the above dataset which has
249,695 unique observations. For instance:
\[ \begin{aligned} \operatorname{wac} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{ltv\_under\_70}) + \beta_{3}(\operatorname{ltv\_70\_to\_75})\ + \\ &\quad \beta_{4}(\operatorname{ltv\_75\_to\_80}) + \beta_{5}(\operatorname{ltv\_80\_to\_85}) + \beta_{6}(\operatorname{ltv\_85\_to\_90}) + \beta_{7}(\operatorname{ltv\_90\_to\_95})\ + \\ &\quad \beta_{8}(\operatorname{ltv\_above\_95}) + \beta_{9}(\operatorname{\log(dscr\_trepp)}) + \beta_{10}(\operatorname{year}_{\operatorname{1974}}) + \beta_{11}(\operatorname{year}_{\operatorname{1978}})\ + \\ &\quad \beta_{12}(\operatorname{year}_{\operatorname{1980}}) + \beta_{13}(\operatorname{year}_{\operatorname{1981}}) + \beta_{14}(\operatorname{year}_{\operatorname{1982}}) + \beta_{15}(\operatorname{year}_{\operatorname{1985}})\ + \\ &\quad \beta_{16}(\operatorname{year}_{\operatorname{1986}}) + \beta_{17}(\operatorname{year}_{\operatorname{1987}}) + \beta_{18}(\operatorname{year}_{\operatorname{1988}}) + \beta_{19}(\operatorname{year}_{\operatorname{1989}})\ + \\ &\quad \beta_{20}(\operatorname{year}_{\operatorname{1990}}) + \beta_{21}(\operatorname{year}_{\operatorname{1991}}) + \beta_{22}(\operatorname{year}_{\operatorname{1992}}) + \beta_{23}(\operatorname{year}_{\operatorname{1993}})\ + \\ &\quad \beta_{24}(\operatorname{year}_{\operatorname{1994}}) + \beta_{25}(\operatorname{year}_{\operatorname{1995}}) + \beta_{26}(\operatorname{year}_{\operatorname{1996}}) + \beta_{27}(\operatorname{year}_{\operatorname{1997}})\ + \\ &\quad \beta_{28}(\operatorname{year}_{\operatorname{1998}}) + \beta_{29}(\operatorname{year}_{\operatorname{1999}}) + \beta_{30}(\operatorname{year}_{\operatorname{2000}}) + \beta_{31}(\operatorname{year}_{\operatorname{2001}})\ + \\ &\quad \beta_{32}(\operatorname{year}_{\operatorname{2002}}) + \beta_{33}(\operatorname{year}_{\operatorname{2003}}) + \beta_{34}(\operatorname{year}_{\operatorname{2004}}) + \beta_{35}(\operatorname{year}_{\operatorname{2005}})\ + \\ &\quad \beta_{36}(\operatorname{year}_{\operatorname{2006}}) + \beta_{37}(\operatorname{year}_{\operatorname{2007}}) + \beta_{38}(\operatorname{year}_{\operatorname{2008}}) + \beta_{39}(\operatorname{year}_{\operatorname{2009}})\ + \\ &\quad \beta_{40}(\operatorname{year}_{\operatorname{2010}}) + \beta_{41}(\operatorname{year}_{\operatorname{2011}}) + \beta_{42}(\operatorname{year}_{\operatorname{2012}}) + \beta_{43}(\operatorname{year}_{\operatorname{2013}})\ + \\ &\quad \beta_{44}(\operatorname{year}_{\operatorname{2014}}) + \beta_{45}(\operatorname{year}_{\operatorname{2015}}) + \beta_{46}(\operatorname{year}_{\operatorname{2016}}) + \beta_{47}(\operatorname{year}_{\operatorname{2017}})\ + \\ &\quad \beta_{48}(\operatorname{year}_{\operatorname{2018}}) + \beta_{49}(\operatorname{year}_{\operatorname{2019}}) + \beta_{50}(\operatorname{year}_{\operatorname{2020}}) + \beta_{51}(\operatorname{month}_{\operatorname{2}})\ + \\ &\quad \beta_{52}(\operatorname{month}_{\operatorname{3}}) + \beta_{53}(\operatorname{month}_{\operatorname{4}}) + \beta_{54}(\operatorname{month}_{\operatorname{5}}) + \beta_{55}(\operatorname{month}_{\operatorname{6}})\ + \\ &\quad \beta_{56}(\operatorname{month}_{\operatorname{7}}) + \beta_{57}(\operatorname{month}_{\operatorname{8}}) + \beta_{58}(\operatorname{month}_{\operatorname{9}}) + \beta_{59}(\operatorname{month}_{\operatorname{10}})\ + \\ &\quad \beta_{60}(\operatorname{month}_{\operatorname{11}}) + \beta_{61}(\operatorname{month}_{\operatorname{12}}) + \beta_{62}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)}) + \epsilon \end{aligned} \]
##
## ===============================================================
## Dependent variable:
## -------------------------------
## wac
## ---------------------------------------------------------------
## log(risk_score) -0.086***
## (0.006)
##
## ltv_under_70 0.145***
## (0.042)
##
## ltv_70_to_75 0.071*
## (0.042)
##
## ltv_75_to_80 -0.089**
## (0.042)
##
## ltv_80_to_85 0.135***
## (0.045)
##
## ltv_85_to_90 0.126**
## (0.053)
##
## ltv_90_to_95 0.047
## (0.058)
##
## ltv_above_95
##
##
## log(dscr_trepp) -0.877***
## (0.039)
##
## year1974 -0.231
## (0.756)
##
## year1978 0.139
## (0.756)
##
## year1980 1.210
## (0.872)
##
## year1981 0.085
## (0.666)
##
## year1982 -0.109
## (0.712)
##
## year1985 0.170
## (0.872)
##
## year1986 -1.084
## (0.712)
##
## year1987 -0.716
## (0.756)
##
## year1988 -0.873
## (0.712)
##
## year1989 -1.205*
## (0.659)
##
## year1990 -0.319
## (0.654)
##
## year1991 -0.839
## (0.712)
##
## year1992 -0.061
## (0.659)
##
## year1993 -0.606
## (0.625)
##
## year1994 -0.0001
## (0.620)
##
## year1995 -0.231
## (0.618)
##
## year1996 0.119
## (0.617)
##
## year1997 -0.528
## (0.617)
##
## year1998 -1.405**
## (0.617)
##
## year1999 -0.681
## (0.617)
##
## year2000 -0.369
## (0.617)
##
## year2001 -1.277**
## (0.617)
##
## year2002 -1.892***
## (0.617)
##
## year2003 -2.914***
## (0.617)
##
## year2004 -3.038***
## (0.617)
##
## year2005 -3.128***
## (0.617)
##
## year2006 -2.587***
## (0.617)
##
## year2007 -2.725***
## (0.617)
##
## year2008 -2.670***
## (0.618)
##
## year2009 -2.849***
## (0.617)
##
## year2010 -3.325***
## (0.617)
##
## year2011 -3.588***
## (0.617)
##
## year2012 -4.390***
## (0.617)
##
## year2013 -4.221***
## (0.617)
##
## year2014 -4.374***
## (0.617)
##
## year2015 -4.546***
## (0.617)
##
## year2016 -4.522***
## (0.617)
##
## year2017 -4.413***
## (0.617)
##
## year2018 -4.078***
## (0.617)
##
## year2019 -4.474***
## (0.617)
##
## year2020 -5.378***
## (0.617)
##
## month2 0.006
## (0.008)
##
## month3 -0.047***
## (0.008)
##
## month4 -0.041***
## (0.008)
##
## month5 -0.058***
## (0.008)
##
## month6 -0.074***
## (0.008)
##
## month7 -0.059***
## (0.008)
##
## month8 -0.125***
## (0.008)
##
## month9 -0.149***
## (0.008)
##
## month10 -0.161***
## (0.008)
##
## month11 -0.177***
## (0.008)
##
## month12 -0.224***
## (0.007)
##
## log(risk_score):log(dscr_trepp) 0.137***
## (0.012)
##
## Constant 9.155***
## (0.619)
##
## ---------------------------------------------------------------
## Observations 168,408
## R2 0.824
## Adjusted R2 0.824
## Residual Std. Error 0.617 (df = 168346)
## F Statistic 12,942.890*** (df = 61; 168346)
## ===============================================================
## Note: *p<0.1; **p<0.05; ***p<0.01
(8) 08_geo_smmry_risk_trepp.R
This file explores the overall climate risk variable by
state, zip code, and tracts. For example, to identify which counties,
zip codes, and states have the highest climate risk.
(9) 09_heat_maps.R
This is an initial attempt at creating heat maps to visualize the
different risk variables across the US. This is a
preliminary script that still needs work. The heat maps have not been
created yet.
Descriptives
The Data
suppressWarnings( skimr::skim( smmry_w_zip_n_risk_trm_dscr_outlrs ) )| Name | smmry_w_zip_n_risk_trm_ds… |
| Number of rows | 191297 |
| Number of columns | 27 |
| Key | unique_id, zip |
| _______________________ | |
| Column type frequency: | |
| character | 3 |
| factor | 2 |
| numeric | 22 |
| ________________________ | |
| Group variables | None |
Variable type: character
| skim_variable | n_missing | complete_rate | min | max | empty | n_unique | whitespace |
|---|---|---|---|---|---|---|---|
| state | 0 | 1 | 0 | 4 | 15651 | 50 | 0 |
| unique_id | 0 | 1 | 16 | 22 | 0 | 191297 | 0 |
| address | 0 | 1 | 0 | 200 | 3357 | 133732 | 0 |
Variable type: factor
| skim_variable | n_missing | complete_rate | ordered | n_unique | top_counts |
|---|---|---|---|---|---|
| year | 1 | 1 | FALSE | 43 | 200: 15993, 201: 14244, 200: 12909, 201: 12760 |
| month | 1 | 1 | FALSE | 12 | 12: 20349, 6: 17653, 8: 16858, 9: 16543 |
Variable type: numeric
| skim_variable | n_missing | complete_rate | mean | sd | p0 | p25 | p50 | p75 | p100 | hist |
|---|---|---|---|---|---|---|---|---|---|---|
| zip | 13518 | 0.93 | 55018.55 | 31291.84 | 0.00 | 28306.00 | 55403.00 | 85308.00 | 99901.00 | ▅▆▂▅▇ |
| risk_score | 15653 | 0.92 | 23.32 | 9.69 | 4.67 | 15.52 | 22.18 | 29.25 | 68.22 | ▆▇▃▁▁ |
| origdate | 1 | 1.00 | 20097504.16 | 72095.92 | 19710928.00 | 20041026.00 | 20110301.00 | 20161222.00 | 20201215.00 | ▁▁▂▆▇ |
| lat | 14398 | 0.92 | 36.79 | 5.10 | 13.46 | 33.45 | 36.86 | 40.73 | 65.07 | ▁▅▇▁▁ |
| long | 14398 | 0.92 | -94.28 | 17.37 | -159.73 | -112.05 | -88.24 | -80.14 | 144.79 | ▃▇▁▁▁ |
| mean_actpmt | 2792 | 0.99 | 270927.18 | 2632769.29 | 0.00 | 15299.68 | 33961.74 | 78747.81 | 353841101.48 | ▇▁▁▁▁ |
| median_actpmt | 2792 | 0.99 | 259236.35 | 2789516.83 | 0.00 | 14792.00 | 32528.22 | 74293.77 | 432029863.44 | ▇▁▁▁▁ |
| wac | 6004 | 0.97 | 5.38 | 1.47 | 1.02 | 4.28 | 5.29 | 6.20 | 16.60 | ▂▇▂▁▁ |
| initial_ltv | 2457 | 0.99 | 66.34 | 12.72 | 0.11 | 61.50 | 69.41 | 74.80 | 99.98 | ▁▁▂▇▁ |
| dscr_trepp | 0 | 1.00 | 1.60 | 0.93 | -1.54 | 1.27 | 1.38 | 1.61 | 20.00 | ▇▁▁▁▁ |
| dscr_crefc | 147501 | 0.23 | 1.63 | 1.09 | -3.24 | 1.22 | 1.48 | 1.81 | 64.66 | ▇▁▁▁▁ |
| ever_delinquent | 0 | 1.00 | 0.08 | 0.27 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| ever_foreclosed | 0 | 1.00 | 0.05 | 0.21 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| mean_actual_balance | 0 | 1.00 | 9756206.52 | 34892623.93 | 0.00 | 478043.24 | 2584129.87 | 8982580.65 | 4442666666.65 | ▇▁▁▁▁ |
| median_actual_balance | 0 | 1.00 | 10128314.06 | 37463107.24 | 0.00 | 0.00 | 2019492.05 | 9371507.60 | 4760000000.00 | ▇▁▁▁▁ |
| ltv_under_70 | 2457 | 0.99 | 0.54 | 0.50 | 0.00 | 0.00 | 1.00 | 1.00 | 1.00 | ▇▁▁▁▇ |
| ltv_70_to_75 | 2457 | 0.99 | 0.25 | 0.43 | 0.00 | 0.00 | 0.00 | 1.00 | 1.00 | ▇▁▁▁▃ |
| ltv_75_to_80 | 2457 | 0.99 | 0.20 | 0.40 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▂ |
| ltv_80_to_85 | 2457 | 0.99 | 0.01 | 0.10 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| ltv_85_to_90 | 2457 | 0.99 | 0.00 | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| ltv_90_to_95 | 2457 | 0.99 | 0.00 | 0.04 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| ltv_above_95 | 2457 | 0.99 | 0.00 | 0.04 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
str(smmry_w_zip_n_risk_trm_dscr_outlrs)## Classes 'data.table' and 'data.frame': 191297 obs. of 27 variables:
## $ zip : int 10022 10022 10036 10036 10036 10036 10036 29405 60611 10013 ...
## $ state : chr "NY" "NY" "NY" "NY" ...
## $ risk_score : num 38.9 38.9 38 38 38 ...
## $ unique_id : chr "116605c6-137500001-2" "116605c6-137500001-3" "1166aoa-82700001-1" "1166aoa-82700002-1" ...
## $ origdate : int 20051101 20051101 20021001 20021001 20021001 20021001 20021001 20171109 20181031 20190524 ...
## $ address : chr "1166 Avenue of the Americas" "1166 Avenue of the Americas" "1166 Avenue of the Americas" "1166 Avenue of the Americas" ...
## $ lat : num 40.8 40.8 40.8 40.8 40.8 ...
## $ long : num -74 -74 -74 -74 -74 ...
## $ mean_actpmt : num NA NA 449323 130081 104376 ...
## $ median_actpmt : num NA NA 396121 115226 93143 ...
## $ wac : num 5.7 5.7 6.35 6.35 6.35 ...
## $ initial_ltv : num 73.1 73.1 36.85 10.72 8.66 ...
## $ dscr_trepp : num 1.36 1.36 1.38 1.38 1.38 1.38 1.38 1.29 1.32 2.01 ...
## $ dscr_crefc : num NA NA NA NA NA NA NA NA NA NA ...
## $ ever_delinquent : int 0 0 0 0 0 0 0 0 0 0 ...
## $ ever_foreclosed : int 0 0 0 0 0 0 0 0 0 0 ...
## $ mean_actual_balance : num 356247491 356247491 108305054 83328838 81365379 ...
## $ median_actual_balance: num 359000000 359000000 132108735 132108735 132108735 ...
## $ ltv_under_70 : int 0 0 1 1 1 1 1 1 1 1 ...
## $ ltv_70_to_75 : int 1 1 0 0 0 0 0 0 0 0 ...
## $ ltv_75_to_80 : int 0 0 0 0 0 0 0 0 0 0 ...
## $ ltv_80_to_85 : int 0 0 0 0 0 0 0 0 0 0 ...
## $ ltv_85_to_90 : int 0 0 0 0 0 0 0 0 0 0 ...
## $ ltv_90_to_95 : int 0 0 0 0 0 0 0 0 0 0 ...
## $ ltv_above_95 : int 0 0 0 0 0 0 0 0 0 0 ...
## $ year : Factor w/ 43 levels "1971","1974",..: 28 28 25 25 25 25 25 40 41 42 ...
## $ month : Factor w/ 12 levels "1","2","3","4",..: 11 11 10 10 10 10 10 11 10 5 ...
## - attr(*, ".internal.selfref")=<externalptr>
## - attr(*, "sorted")= chr [1:2] "unique_id" "zip"
Years
smmry_w_zip_n_risk_trm_dscr_outlrs[,"year"] %>% unique() %>% arrange(year) ## year
## 1: 1971
## 2: 1974
## 3: 1976
## 4: 1978
## 5: 1980
## 6: 1981
## 7: 1982
## 8: 1985
## 9: 1986
## 10: 1987
## 11: 1988
## 12: 1989
## 13: 1990
## 14: 1991
## 15: 1992
## 16: 1993
## 17: 1994
## 18: 1995
## 19: 1996
## 20: 1997
## 21: 1998
## 22: 1999
## 23: 2000
## 24: 2001
## 25: 2002
## 26: 2003
## 27: 2004
## 28: 2005
## 29: 2006
## 30: 2007
## 31: 2008
## 32: 2009
## 33: 2010
## 34: 2011
## 35: 2012
## 36: 2013
## 37: 2014
## 38: 2015
## 39: 2016
## 40: 2017
## 41: 2018
## 42: 2019
## 43: 2020
## 44: <NA>
## year
WAC on Climate Risk Scatterplot
Ever-Delinquent Indicator on Climate Risk
Approved Loans by Census Tracts
WAC on LTV Scatterplot
Variable Descriptions
origdate:- “Origination date of loan if specified in Annex A; value generated by Trepp if unavailable in Annex A (YYYYMMDD)”
lat:- “Latitude generated using commercially available mapping software – utilizes city/state/zip only; not address”
long:- “Longitude generated using commercially available mapping software – utilizes city/state/zip only; not address”
mean_actpmt&median_actpmt:- “The total amount of principal and interest due on the loan in the month corresponding to the current distribution date and should equal the sum of fields L23 and L24. If CREFC value is null, Trepp modeling payment is used; if modeling payment is a formula or vector, null is passed.” I took its mean/median across the different time periods.
wac:- “Gross rate of loan as of securitization. If the Trepp model requires a formula for determining this rate, then this field will not be populated.” I took its mean across the different time periods.
initial_ltv:- Initial “Derived LTV: if most recent appraised value is populated then securitization loan balance divided by most recent appraised value *100 else securitization LTV.”
dscr_trepp:- Initial “Securitization DSCR based upon NCF from Annex A.” In other words, this is the DSCR calculated by TREPP.
dscr_crefc:- “Ratio of net operating income (NOI) to debt service for the most recent operating statement reported by the servicer (e.g. year to date, year to date annualized, or trailing 12 months, but all normalized) after the preceding fiscal year end statement. I.e., this was the DSCR from TREPP’s source.
ever_delinquent:- I calculated this variable based on the table below. In other words,
if any of the grouped
dlqderivedcdfalls within 1, 2, 3, or 6, then this individual loan has been “delinquent” at some point.
- I calculated this variable based on the table below. In other words,
if any of the grouped
ever_foreclosed:- This variable was created following the same principle as the one
above. If any of the grouped
dlqderivedcdequals 7, then theever_foreclosedvariable equals 1; otherwise 0.
- This variable was created following the same principle as the one
above. If any of the grouped
mean_actual_balance&mean_actual_balance:- “Outstanding actual balance of the loan as of the determination date. This figure represents the legal remaining outstanding principal balance related to the borrower’s mortgage note. For partial defeasances, the balance should reflect the appropriate allocation of the balance prior to the defeasance between the nondefeased and defeased loans based on the provisions of the loan documents.” I took their median, ignoring the NA values.
Model Pre-, Post-2013 | WAC on Risk, LTV, Year, Month, DSCR
wac_model_pre_2013 <- suppressWarnings(
lm( wac ~ log(risk_score) + ltv_under_70 + ltv_70_to_75 +
ltv_75_to_80 + ltv_80_to_85 + ltv_85_to_90 + ltv_90_to_95 + ltv_90_to_95 +
log(dscr_trepp) + (year) + (month) + log(dscr_trepp):log(risk_score),
smmry_w_zip_n_risk_trm_dscr_outlrs[as.numeric(levels(year))[year] < 2013])
)
wac_model_post_2013 <- suppressWarnings(
lm( wac ~ log(risk_score) + ltv_under_70 + ltv_70_to_75 +
ltv_75_to_80 + ltv_80_to_85 + ltv_85_to_90 + ltv_90_to_95 + ltv_90_to_95 +
log(dscr_trepp) + (year) + (month) + log(dscr_trepp):log(risk_score),
smmry_w_zip_n_risk_trm_dscr_outlrs[as.numeric(levels(year))[year] >= 2013])
)extract_eq(wac_model_pre_2013, wrap = T)\[ \begin{aligned} \operatorname{wac} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{ltv\_under\_70}) + \beta_{3}(\operatorname{ltv\_70\_to\_75})\ + \\ &\quad \beta_{4}(\operatorname{ltv\_75\_to\_80}) + \beta_{5}(\operatorname{ltv\_80\_to\_85}) + \beta_{6}(\operatorname{ltv\_85\_to\_90}) + \beta_{7}(\operatorname{ltv\_90\_to\_95})\ + \\ &\quad \beta_{8}(\operatorname{\log(dscr\_trepp)}) + \beta_{9}(\operatorname{year}_{\operatorname{1974}}) + \beta_{10}(\operatorname{year}_{\operatorname{1978}}) + \beta_{11}(\operatorname{year}_{\operatorname{1980}})\ + \\ &\quad \beta_{12}(\operatorname{year}_{\operatorname{1981}}) + \beta_{13}(\operatorname{year}_{\operatorname{1982}}) + \beta_{14}(\operatorname{year}_{\operatorname{1985}}) + \beta_{15}(\operatorname{year}_{\operatorname{1986}})\ + \\ &\quad \beta_{16}(\operatorname{year}_{\operatorname{1987}}) + \beta_{17}(\operatorname{year}_{\operatorname{1988}}) + \beta_{18}(\operatorname{year}_{\operatorname{1989}}) + \beta_{19}(\operatorname{year}_{\operatorname{1990}})\ + \\ &\quad \beta_{20}(\operatorname{year}_{\operatorname{1991}}) + \beta_{21}(\operatorname{year}_{\operatorname{1992}}) + \beta_{22}(\operatorname{year}_{\operatorname{1993}}) + \beta_{23}(\operatorname{year}_{\operatorname{1994}})\ + \\ &\quad \beta_{24}(\operatorname{year}_{\operatorname{1995}}) + \beta_{25}(\operatorname{year}_{\operatorname{1996}}) + \beta_{26}(\operatorname{year}_{\operatorname{1997}}) + \beta_{27}(\operatorname{year}_{\operatorname{1998}})\ + \\ &\quad \beta_{28}(\operatorname{year}_{\operatorname{1999}}) + \beta_{29}(\operatorname{year}_{\operatorname{2000}}) + \beta_{30}(\operatorname{year}_{\operatorname{2001}}) + \beta_{31}(\operatorname{year}_{\operatorname{2002}})\ + \\ &\quad \beta_{32}(\operatorname{year}_{\operatorname{2003}}) + \beta_{33}(\operatorname{year}_{\operatorname{2004}}) + \beta_{34}(\operatorname{year}_{\operatorname{2005}}) + \beta_{35}(\operatorname{year}_{\operatorname{2006}})\ + \\ &\quad \beta_{36}(\operatorname{year}_{\operatorname{2007}}) + \beta_{37}(\operatorname{year}_{\operatorname{2008}}) + \beta_{38}(\operatorname{year}_{\operatorname{2009}}) + \beta_{39}(\operatorname{year}_{\operatorname{2010}})\ + \\ &\quad \beta_{40}(\operatorname{year}_{\operatorname{2011}}) + \beta_{41}(\operatorname{year}_{\operatorname{2012}}) + \beta_{42}(\operatorname{month}_{\operatorname{2}}) + \beta_{43}(\operatorname{month}_{\operatorname{3}})\ + \\ &\quad \beta_{44}(\operatorname{month}_{\operatorname{4}}) + \beta_{45}(\operatorname{month}_{\operatorname{5}}) + \beta_{46}(\operatorname{month}_{\operatorname{6}}) + \beta_{47}(\operatorname{month}_{\operatorname{7}})\ + \\ &\quad \beta_{48}(\operatorname{month}_{\operatorname{8}}) + \beta_{49}(\operatorname{month}_{\operatorname{9}}) + \beta_{50}(\operatorname{month}_{\operatorname{10}}) + \beta_{51}(\operatorname{month}_{\operatorname{11}})\ + \\ &\quad \beta_{52}(\operatorname{month}_{\operatorname{12}}) + \beta_{53}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)}) + \epsilon \end{aligned} \]
extract_eq(wac_model_post_2013, wrap = T)\[ \begin{aligned} \operatorname{wac} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{ltv\_under\_70}) + \beta_{3}(\operatorname{ltv\_70\_to\_75})\ + \\ &\quad \beta_{4}(\operatorname{ltv\_75\_to\_80}) + \beta_{5}(\operatorname{ltv\_80\_to\_85}) + \beta_{6}(\operatorname{ltv\_85\_to\_90}) + \beta_{7}(\operatorname{ltv\_90\_to\_95})\ + \\ &\quad \beta_{8}(\operatorname{\log(dscr\_trepp)}) + \beta_{9}(\operatorname{year}_{\operatorname{2014}}) + \beta_{10}(\operatorname{year}_{\operatorname{2015}}) + \beta_{11}(\operatorname{year}_{\operatorname{2016}})\ + \\ &\quad \beta_{12}(\operatorname{year}_{\operatorname{2017}}) + \beta_{13}(\operatorname{year}_{\operatorname{2018}}) + \beta_{14}(\operatorname{year}_{\operatorname{2019}}) + \beta_{15}(\operatorname{year}_{\operatorname{2020}})\ + \\ &\quad \beta_{16}(\operatorname{month}_{\operatorname{2}}) + \beta_{17}(\operatorname{month}_{\operatorname{3}}) + \beta_{18}(\operatorname{month}_{\operatorname{4}}) + \beta_{19}(\operatorname{month}_{\operatorname{5}})\ + \\ &\quad \beta_{20}(\operatorname{month}_{\operatorname{6}}) + \beta_{21}(\operatorname{month}_{\operatorname{7}}) + \beta_{22}(\operatorname{month}_{\operatorname{8}}) + \beta_{23}(\operatorname{month}_{\operatorname{9}})\ + \\ &\quad \beta_{24}(\operatorname{month}_{\operatorname{10}}) + \beta_{25}(\operatorname{month}_{\operatorname{11}}) + \beta_{26}(\operatorname{month}_{\operatorname{12}}) + \beta_{27}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)})\ + \\ &\quad \epsilon \end{aligned} \]
stargazer(wac_model_pre_2013, wac_model_post_2013,
type = "text",
column.labels = c("Pre 2013", "Post 2013"))##
## =========================================================================================
## Dependent variable:
## ---------------------------------------------------------
## wac
## Pre 2013 Post 2013
## (1) (2)
## -----------------------------------------------------------------------------------------
## log(risk_score) -0.078*** -0.092***
## (0.007) (0.010)
##
## ltv_under_70 0.152*** -1.431***
## (0.037) (0.399)
##
## ltv_70_to_75 0.084** -1.508***
## (0.037) (0.399)
##
## ltv_75_to_80 -0.033 -1.749***
## (0.037) (0.399)
##
## ltv_80_to_85 0.033 -0.966**
## (0.041) (0.401)
##
## ltv_85_to_90 0.064 -0.950**
## (0.049) (0.410)
##
## ltv_90_to_95 0.043 -1.003**
## (0.052) (0.450)
##
## log(dscr_trepp) -0.956*** -0.752***
## (0.050) (0.062)
##
## year1974 -0.205
## (0.663)
##
## year1978 0.188
## (0.663)
##
## year1980 1.210
## (0.766)
##
## year1981 0.119
## (0.585)
##
## year1982 -0.069
## (0.625)
##
## year1985 0.176
## (0.766)
##
## year1986 -1.103*
## (0.625)
##
## year1987 -0.688
## (0.663)
##
## year1988 -0.848
## (0.625)
##
## year1989 -1.160**
## (0.579)
##
## year1990 -0.317
## (0.574)
##
## year1991 -0.811
## (0.625)
##
## year1992 -0.003
## (0.579)
##
## year1993 -0.585
## (0.549)
##
## year1994 0.015
## (0.544)
##
## year1995 -0.189
## (0.543)
##
## year1996 0.135
## (0.542)
##
## year1997 -0.509
## (0.542)
##
## year1998 -1.408***
## (0.542)
##
## year1999 -0.680
## (0.542)
##
## year2000 -0.362
## (0.542)
##
## year2001 -1.280**
## (0.542)
##
## year2002 -1.894***
## (0.542)
##
## year2003 -2.925***
## (0.542)
##
## year2004 -3.044***
## (0.542)
##
## year2005 -3.138***
## (0.542)
##
## year2006 -2.579***
## (0.542)
##
## year2007 -2.733***
## (0.542)
##
## year2008 -2.644***
## (0.542)
##
## year2009 -2.836***
## (0.542)
##
## year2010 -3.321***
## (0.542)
##
## year2011 -3.585***
## (0.542)
##
## year2012 -4.391***
## (0.542)
##
## year2014 -0.153***
## (0.012)
##
## year2015 -0.320***
## (0.011)
##
## year2016 -0.299***
## (0.011)
##
## year2017 -0.187***
## (0.011)
##
## year2018 0.141***
## (0.011)
##
## year2019 -0.247***
## (0.011)
##
## year2020 -1.139***
## (0.012)
##
## month2 0.014 -0.007
## (0.010) (0.014)
##
## month3 -0.001 -0.106***
## (0.009) (0.013)
##
## month4 -0.007 -0.084***
## (0.009) (0.013)
##
## month5 0.007 -0.141***
## (0.009) (0.013)
##
## month6 0.013 -0.179***
## (0.009) (0.013)
##
## month7 -0.014 -0.119***
## (0.009) (0.013)
##
## month8 -0.043*** -0.222***
## (0.009) (0.013)
##
## month9 -0.099*** -0.214***
## (0.009) (0.013)
##
## month10 -0.152*** -0.177***
## (0.009) (0.013)
##
## month11 -0.204*** -0.144***
## (0.009) (0.013)
##
## month12 -0.262*** -0.180***
## (0.009) (0.012)
##
## log(risk_score):log(dscr_trepp) 0.186*** 0.073***
## (0.015) (0.019)
##
## Constant 9.058*** 6.606***
## (0.543) (0.400)
##
## -----------------------------------------------------------------------------------------
## Observations 91,943 76,465
## R2 0.809 0.232
## Adjusted R2 0.809 0.232
## Residual Std. Error 0.542 (df = 91889) 0.691 (df = 76437)
## F Statistic 7,343.511*** (df = 53; 91889) 856.793*** (df = 27; 76437)
## =========================================================================================
## Note: *p<0.1; **p<0.05; ***p<0.01
Model Pre-, Post 2013 | LTV on Risk, WAC, Year, Month, DSCR
ltv_model_pre_2013 <- suppressWarnings(
lm( initial_ltv ~ log(risk_score) + log(dscr_trepp) +
(year) + (month) + log(dscr_trepp):log(risk_score),
smmry_w_zip_n_risk_trm_dscr_outlrs[as.numeric(levels(year))[year] < 2013])
)
ltv_model_post_2013 <- suppressWarnings(
lm( initial_ltv ~ log(risk_score) + log(dscr_trepp) + log(wac) +
(year) + (month) + log(dscr_trepp):log(risk_score) + log(wac):log(risk_score),
smmry_w_zip_n_risk_trm_dscr_outlrs[as.numeric(levels(year))[year] >= 2013])
)extract_eq(ltv_model_pre_2013, wrap = T)\[ \begin{aligned} \operatorname{initial\_ltv} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{\log(dscr\_trepp)}) + \beta_{3}(\operatorname{year}_{\operatorname{1974}})\ + \\ &\quad \beta_{4}(\operatorname{year}_{\operatorname{1978}}) + \beta_{5}(\operatorname{year}_{\operatorname{1980}}) + \beta_{6}(\operatorname{year}_{\operatorname{1981}}) + \beta_{7}(\operatorname{year}_{\operatorname{1982}})\ + \\ &\quad \beta_{8}(\operatorname{year}_{\operatorname{1985}}) + \beta_{9}(\operatorname{year}_{\operatorname{1986}}) + \beta_{10}(\operatorname{year}_{\operatorname{1987}}) + \beta_{11}(\operatorname{year}_{\operatorname{1988}})\ + \\ &\quad \beta_{12}(\operatorname{year}_{\operatorname{1989}}) + \beta_{13}(\operatorname{year}_{\operatorname{1990}}) + \beta_{14}(\operatorname{year}_{\operatorname{1991}}) + \beta_{15}(\operatorname{year}_{\operatorname{1992}})\ + \\ &\quad \beta_{16}(\operatorname{year}_{\operatorname{1993}}) + \beta_{17}(\operatorname{year}_{\operatorname{1994}}) + \beta_{18}(\operatorname{year}_{\operatorname{1995}}) + \beta_{19}(\operatorname{year}_{\operatorname{1996}})\ + \\ &\quad \beta_{20}(\operatorname{year}_{\operatorname{1997}}) + \beta_{21}(\operatorname{year}_{\operatorname{1998}}) + \beta_{22}(\operatorname{year}_{\operatorname{1999}}) + \beta_{23}(\operatorname{year}_{\operatorname{2000}})\ + \\ &\quad \beta_{24}(\operatorname{year}_{\operatorname{2001}}) + \beta_{25}(\operatorname{year}_{\operatorname{2002}}) + \beta_{26}(\operatorname{year}_{\operatorname{2003}}) + \beta_{27}(\operatorname{year}_{\operatorname{2004}})\ + \\ &\quad \beta_{28}(\operatorname{year}_{\operatorname{2005}}) + \beta_{29}(\operatorname{year}_{\operatorname{2006}}) + \beta_{30}(\operatorname{year}_{\operatorname{2007}}) + \beta_{31}(\operatorname{year}_{\operatorname{2008}})\ + \\ &\quad \beta_{32}(\operatorname{year}_{\operatorname{2009}}) + \beta_{33}(\operatorname{year}_{\operatorname{2010}}) + \beta_{34}(\operatorname{year}_{\operatorname{2011}}) + \beta_{35}(\operatorname{year}_{\operatorname{2012}})\ + \\ &\quad \beta_{36}(\operatorname{month}_{\operatorname{2}}) + \beta_{37}(\operatorname{month}_{\operatorname{3}}) + \beta_{38}(\operatorname{month}_{\operatorname{4}}) + \beta_{39}(\operatorname{month}_{\operatorname{5}})\ + \\ &\quad \beta_{40}(\operatorname{month}_{\operatorname{6}}) + \beta_{41}(\operatorname{month}_{\operatorname{7}}) + \beta_{42}(\operatorname{month}_{\operatorname{8}}) + \beta_{43}(\operatorname{month}_{\operatorname{9}})\ + \\ &\quad \beta_{44}(\operatorname{month}_{\operatorname{10}}) + \beta_{45}(\operatorname{month}_{\operatorname{11}}) + \beta_{46}(\operatorname{month}_{\operatorname{12}}) + \beta_{47}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)})\ + \\ &\quad \epsilon \end{aligned} \]
extract_eq(ltv_model_post_2013, wrap = T)\[ \begin{aligned} \operatorname{initial\_ltv} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{\log(dscr\_trepp)}) + \beta_{3}(\operatorname{\log(wac)})\ + \\ &\quad \beta_{4}(\operatorname{year}_{\operatorname{2014}}) + \beta_{5}(\operatorname{year}_{\operatorname{2015}}) + \beta_{6}(\operatorname{year}_{\operatorname{2016}}) + \beta_{7}(\operatorname{year}_{\operatorname{2017}})\ + \\ &\quad \beta_{8}(\operatorname{year}_{\operatorname{2018}}) + \beta_{9}(\operatorname{year}_{\operatorname{2019}}) + \beta_{10}(\operatorname{year}_{\operatorname{2020}}) + \beta_{11}(\operatorname{month}_{\operatorname{2}})\ + \\ &\quad \beta_{12}(\operatorname{month}_{\operatorname{3}}) + \beta_{13}(\operatorname{month}_{\operatorname{4}}) + \beta_{14}(\operatorname{month}_{\operatorname{5}}) + \beta_{15}(\operatorname{month}_{\operatorname{6}})\ + \\ &\quad \beta_{16}(\operatorname{month}_{\operatorname{7}}) + \beta_{17}(\operatorname{month}_{\operatorname{8}}) + \beta_{18}(\operatorname{month}_{\operatorname{9}}) + \beta_{19}(\operatorname{month}_{\operatorname{10}})\ + \\ &\quad \beta_{20}(\operatorname{month}_{\operatorname{11}}) + \beta_{21}(\operatorname{month}_{\operatorname{12}}) + \beta_{22}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)}) + \beta_{23}(\operatorname{\log(risk\_score)} \times \operatorname{\log(wac)})\ + \\ &\quad \epsilon \end{aligned} \]
stargazer(ltv_model_pre_2013, ltv_model_post_2013,
type = "text",
column.labels = c("Pre 2013", "Post 2013"))##
## ===========================================================================================
## Dependent variable:
## -----------------------------------------------------------
## initial_ltv
## Pre 2013 Post 2013
## (1) (2)
## -------------------------------------------------------------------------------------------
## log(risk_score) -0.632*** -2.650***
## (0.123) (0.591)
##
## log(dscr_trepp) -42.182*** -13.627***
## (0.860) (0.809)
##
## year1974 -22.837*
## (11.719)
##
## year1978 -13.910
## (11.719)
##
## year1980 -34.701**
## (13.532)
##
## year1981 9.590
## (10.335)
##
## year1982 14.815
## (11.049)
##
## year1985 6.048
## (13.532)
##
## year1986 5.470
## (11.048)
##
## year1987 1.690
## (11.719)
##
## year1988 0.213
## (11.049)
##
## year1989 -1.081
## (10.149)
##
## year1990 -12.728
## (10.149)
##
## year1991 -6.892
## (11.049)
##
## year1992 5.376
## (10.149)
##
## year1993 -2.064
## (9.697)
##
## year1994 2.552
## (9.614)
##
## year1995 12.119
## (9.586)
##
## year1996 14.413
## (9.572)
##
## year1997 17.709*
## (9.569)
##
## year1998 18.402*
## (9.569)
##
## year1999 15.697
## (9.570)
##
## year2000 15.683
## (9.570)
##
## year2001 17.022*
## (9.570)
##
## year2002 18.623*
## (9.570)
##
## year2003 20.291**
## (9.569)
##
## year2004 19.867**
## (9.569)
##
## year2005 19.406**
## (9.569)
##
## year2006 15.323
## (9.569)
##
## year2007 15.680
## (9.569)
##
## year2008 12.758
## (9.582)
##
## year2009 13.304
## (9.573)
##
## year2010 16.345*
## (9.570)
##
## year2011 16.414*
## (9.570)
##
## year2012 18.435*
## (9.569)
##
## log(wac) -15.523***
## (1.209)
##
## year2014 1.503***
## (0.152)
##
## year2015 0.850***
## (0.142)
##
## year2016 0.422***
## (0.146)
##
## year2017 -0.468***
## (0.139)
##
## year2018 -1.453***
## (0.137)
##
## year2019 -0.287**
## (0.140)
##
## year2020 -1.171***
## (0.164)
##
## month2 0.285* -0.415**
## (0.166) (0.174)
##
## month3 0.941*** -0.580***
## (0.162) (0.168)
##
## month4 0.508*** -0.658***
## (0.162) (0.170)
##
## month5 0.392** -0.620***
## (0.157) (0.165)
##
## month6 0.352** -0.302*
## (0.155) (0.161)
##
## month7 -0.069 -0.650***
## (0.159) (0.166)
##
## month8 -0.179 -0.323**
## (0.158) (0.163)
##
## month9 -0.079 -0.112
## (0.158) (0.163)
##
## month10 -0.097 0.101
## (0.159) (0.165)
##
## month11 -0.009 -0.431**
## (0.158) (0.168)
##
## month12 -0.122 -1.119***
## (0.151) (0.160)
##
## log(risk_score):log(dscr_trepp) 2.506*** -4.169***
## (0.262) (0.253)
##
## log(risk_score):log(wac) 2.743***
## (0.388)
##
## Constant 64.696*** 96.032***
## (9.577) (1.857)
##
## -------------------------------------------------------------------------------------------
## Observations 94,800 76,465
## R2 0.495 0.452
## Adjusted R2 0.495 0.452
## Residual Std. Error 9.568 (df = 94752) 8.845 (df = 76441)
## F Statistic 1,977.203*** (df = 47; 94752) 2,743.354*** (df = 23; 76441)
## ===========================================================================================
## Note: *p<0.1; **p<0.05; ***p<0.01
Summary of FSF Data
fsf <- fread("../../FSF/downloads/Zip_level_risk_FEMA_FSF_v1.3.csv"); skim(fsf)| Name | fsf |
| Number of rows | 32162 |
| Number of columns | 34 |
| Key | NULL |
| _______________________ | |
| Column type frequency: | |
| numeric | 34 |
| ________________________ | |
| Group variables | None |
Variable type: numeric
| skim_variable | n_missing | complete_rate | mean | sd | p0 | p25 | p50 | p75 | p100 | hist |
|---|---|---|---|---|---|---|---|---|---|---|
| zipcode | 0 | 1.00 | 49330.98 | 27141.39 | 1001.00 | 26612.00 | 49434.50 | 71471.25 | 99403 | ▇▇▇▇▆ |
| count_property | 0 | 1.00 | 4421.69 | 5353.20 | 1.00 | 783.00 | 2205.50 | 6417.75 | 107680 | ▇▁▁▁▁ |
| count_fema_sfha | 0 | 1.00 | 269.53 | 836.32 | 0.00 | 13.00 | 66.00 | 215.00 | 26478 | ▇▁▁▁▁ |
| pct_fema_sfha | 0 | 1.00 | 7.25 | 13.37 | 0.00 | 0.80 | 3.00 | 7.50 | 100 | ▇▁▁▁▁ |
| count_fs_risk_2020_5 | 0 | 1.00 | 150.25 | 345.67 | 0.00 | 17.00 | 62.00 | 159.00 | 13091 | ▇▁▁▁▁ |
| pct_fs_risk_2020_5 | 0 | 1.00 | 5.90 | 9.56 | 0.00 | 1.00 | 3.30 | 6.80 | 100 | ▇▁▁▁▁ |
| count_fs_risk_2050_5 | 0 | 1.00 | 178.96 | 509.35 | 0.00 | 19.00 | 67.00 | 173.00 | 19264 | ▇▁▁▁▁ |
| pct_fs_risk_2050_5 | 0 | 1.00 | 6.47 | 10.64 | 0.00 | 1.20 | 3.60 | 7.20 | 100 | ▇▁▁▁▁ |
| count_fs_risk_2020_100 | 0 | 1.00 | 501.81 | 967.54 | 0.00 | 87.00 | 227.00 | 543.00 | 28349 | ▇▁▁▁▁ |
| pct_fs_risk_2020_100 | 0 | 1.00 | 13.90 | 14.28 | 0.00 | 6.10 | 9.90 | 16.00 | 100 | ▇▁▁▁▁ |
| count_fs_risk_2050_100 | 0 | 1.00 | 553.90 | 1163.46 | 0.00 | 90.00 | 236.00 | 570.00 | 31117 | ▇▁▁▁▁ |
| pct_fs_risk_2050_100 | 0 | 1.00 | 14.77 | 15.60 | 0.00 | 6.40 | 10.30 | 16.70 | 100 | ▇▁▁▁▁ |
| count_fs_risk_2020_500 | 0 | 1.00 | 737.07 | 1429.06 | 0.00 | 112.00 | 301.50 | 767.75 | 31302 | ▇▁▁▁▁ |
| pct_fs_risk_2020_500 | 0 | 1.00 | 18.36 | 17.18 | 0.00 | 8.40 | 13.10 | 21.30 | 100 | ▇▂▁▁▁ |
| count_fs_risk_2050_500 | 0 | 1.00 | 791.43 | 1573.65 | 0.00 | 115.00 | 311.00 | 805.00 | 35632 | ▇▁▁▁▁ |
| pct_fs_risk_2050_500 | 0 | 1.00 | 19.30 | 18.27 | 0.00 | 8.70 | 13.60 | 22.20 | 100 | ▇▂▁▁▁ |
| count_fs_fema_difference_2020 | 0 | 1.00 | 232.28 | 636.77 | -13247.00 | 23.00 | 108.00 | 301.00 | 10605 | ▁▁▇▁▁ |
| pct_fs_fema_difference_2020 | 0 | 1.00 | 6.65 | 11.85 | -100.00 | 2.30 | 5.50 | 10.00 | 100 | ▁▁▇▁▁ |
| avg_risk_score_all | 0 | 1.00 | 2.07 | 1.12 | 1.00 | 1.46 | 1.74 | 2.22 | 10 | ▇▁▁▁▁ |
| avg_risk_score_2_10 | 464 | 0.99 | 6.49 | 1.27 | 2.00 | 5.60 | 6.52 | 7.41 | 10 | ▁▃▇▇▁ |
| avg_risk_fsf_2020_100 | 621 | 0.98 | 7.41 | 1.02 | 3.00 | 6.72 | 7.46 | 8.15 | 10 | ▁▁▆▇▂ |
| avg_risk_fsf_2020_500 | 489 | 0.98 | 6.63 | 1.24 | 0.50 | 5.78 | 6.67 | 7.53 | 10 | ▁▁▅▇▂ |
| avg_risk_score_sfha | 3757 | 0.88 | 5.58 | 2.01 | 1.00 | 4.18 | 5.57 | 6.95 | 10 | ▂▆▇▆▂ |
| avg_risk_score_no_sfha | 170 | 0.99 | 1.83 | 0.91 | 0.02 | 1.35 | 1.57 | 1.94 | 10 | ▇▂▁▁▁ |
| count_floodfactor1 | 0 | 1.00 | 3629.29 | 4586.55 | 0.00 | 589.00 | 1732.00 | 5123.00 | 84159 | ▇▁▁▁▁ |
| count_floodfactor2 | 0 | 1.00 | 41.39 | 188.34 | 0.00 | 1.00 | 6.00 | 24.00 | 9140 | ▇▁▁▁▁ |
| count_floodfactor3 | 0 | 1.00 | 102.10 | 303.65 | 0.00 | 6.00 | 23.00 | 77.00 | 11340 | ▇▁▁▁▁ |
| count_floodfactor4 | 0 | 1.00 | 133.39 | 526.56 | 0.00 | 7.00 | 28.00 | 93.00 | 23745 | ▇▁▁▁▁ |
| count_floodfactor5 | 0 | 1.00 | 55.12 | 169.33 | 0.00 | 4.00 | 15.00 | 44.00 | 5941 | ▇▁▁▁▁ |
| count_floodfactor6 | 0 | 1.00 | 198.58 | 484.78 | 0.00 | 19.00 | 61.00 | 192.00 | 12742 | ▇▁▁▁▁ |
| count_floodfactor7 | 0 | 1.00 | 76.02 | 141.94 | 0.00 | 11.00 | 34.00 | 87.00 | 7489 | ▇▁▁▁▁ |
| count_floodfactor8 | 0 | 1.00 | 15.61 | 37.08 | 0.00 | 2.00 | 6.00 | 17.00 | 1489 | ▇▁▁▁▁ |
| count_floodfactor9 | 0 | 1.00 | 85.72 | 245.90 | 0.00 | 12.00 | 36.00 | 88.00 | 16013 | ▇▁▁▁▁ |
| count_floodfactor10 | 0 | 1.00 | 84.46 | 285.74 | 0.00 | 5.00 | 24.00 | 72.00 | 10752 | ▇▁▁▁▁ |
FSF Variable Description
FSF DATA VISUALIZATION
Scatterplots
Average Flood Risk of All Properties by ZIP Code (FSF)
Pctg of Properties in Special Hazard Flooding Area (FSF)
Avg Risk of Properties in Special Hazard Flooding Area (FSF)
NRI DATA VISUALIZATION
skim(nri_by_tract_w_risk)## Warning: Couldn't find skimmers for class: integer64; No user-defined `sfl`
## provided. Falling back to `character`.
| Name | nri_by_tract_w_risk |
| Number of rows | 207993 |
| Number of columns | 390 |
| Key | NULL |
| _______________________ | |
| Column type frequency: | |
| character | 71 |
| logical | 12 |
| numeric | 307 |
| ________________________ | |
| Group variables | None |
Variable type: character
| skim_variable | n_missing | complete_rate | min | max | empty | n_unique | whitespace |
|---|---|---|---|---|---|---|---|
| GEOID | 892 | 1.00 | 10 | 11 | 0 | 12345 | 0 |
| STATE | 92345 | 0.56 | 4 | 20 | 0 | 43 | 0 |
| STATEABBRV | 92345 | 0.56 | 2 | 4 | 0 | 43 | 0 |
| COUNTY | 92345 | 0.56 | 3 | 20 | 0 | 1070 | 0 |
| COUNTYTYPE | 92345 | 0.56 | 0 | 6 | 655 | 4 | 0 |
| TRACTFIPS | 92345 | 0.56 | 1 | 330 | 0 | 7713 | 0 |
| RISK_RATNG | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| EAL_RATNG | 92345 | 0.56 | 8 | 19 | 0 | 5 | 0 |
| SOVI_RATNG | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| RESL_RATNG | 92345 | 0.56 | 8 | 19 | 0 | 5 | 0 |
| AVLN_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| AVLN_EALR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| AVLN_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| CFLD_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| CFLD_EALR | 92345 | 0.56 | 8 | 25 | 0 | 7 | 0 |
| CFLD_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 8 | 0 |
| CWAV_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 4 | 0 |
| CWAV_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| CWAV_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| DRGT_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| DRGT_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| DRGT_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| ERQK_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| ERQK_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| ERQK_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| HAIL_HLRR | 92345 | 0.56 | 8 | 15 | 0 | 4 | 0 |
| HAIL_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| HAIL_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| HWAV_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 5 | 0 |
| HWAV_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| HWAV_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| HRCN_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| HRCN_EALR | 92345 | 0.56 | 8 | 25 | 0 | 7 | 0 |
| HRCN_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 8 | 0 |
| ISTM_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| ISTM_EALR | 92345 | 0.56 | 8 | 25 | 0 | 7 | 0 |
| ISTM_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| LNDS_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 5 | 0 |
| LNDS_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| LNDS_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| LTNG_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| LTNG_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| LTNG_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| RFLD_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 5 | 0 |
| RFLD_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| RFLD_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| SWND_HLRR | 92345 | 0.56 | 8 | 14 | 0 | 2 | 0 |
| SWND_EALR | 92345 | 0.56 | 8 | 19 | 0 | 5 | 0 |
| SWND_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| TRND_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| TRND_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| TRND_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| TSUN_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| TSUN_EALR | 92345 | 0.56 | 8 | 25 | 0 | 7 | 0 |
| TSUN_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| VLCN_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| VLCN_EALR | 92345 | 0.56 | 8 | 25 | 0 | 7 | 0 |
| VLCN_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| WFIR_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| WFIR_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| WFIR_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| WNTW_HLRR | 92345 | 0.56 | 8 | 19 | 0 | 6 | 0 |
| WNTW_EALR | 92345 | 0.56 | 8 | 25 | 0 | 6 | 0 |
| WNTW_RISKR | 92345 | 0.56 | 8 | 19 | 0 | 7 | 0 |
| NRI_VER | 92345 | 0.56 | 9 | 9 | 0 | 1 | 0 |
| unique_id | 0 | 1.00 | 15 | 22 | 0 | 207993 | 0 |
| address | 0 | 1.00 | 0 | 200 | 8388 | 149392 | 0 |
| state | 0 | 1.00 | 0 | 2 | 117 | 57 | 0 |
| NAME | 0 | 1.00 | 0 | 63 | 892 | 12346 | 0 |
| variable | 0 | 1.00 | 0 | 10 | 892 | 2 | 0 |
| geometry | 0 | 1.00 | 20 | 25 | 0 | 13143 | 0 |
Variable type: logical
| skim_variable | n_missing | complete_rate | mean | count |
|---|---|---|---|---|
| AVLN_EVNTS | 207993 | 0 | NaN | : |
| CFLD_EVNTS | 207993 | 0 | NaN | : |
| DRGT_EXPB | 207993 | 0 | NaN | : |
| DRGT_EXPP | 207993 | 0 | NaN | : |
| DRGT_EXPPE | 207993 | 0 | NaN | : |
| DRGT_HLRB | 207993 | 0 | NaN | : |
| DRGT_HLRP | 207993 | 0 | NaN | : |
| DRGT_EALB | 207993 | 0 | NaN | : |
| DRGT_EALP | 207993 | 0 | NaN | : |
| DRGT_EALPE | 207993 | 0 | NaN | : |
| ERQK_EVNTS | 207993 | 0 | NaN | : |
| WFIR_EVNTS | 207993 | 0 | NaN | : |
Variable type: numeric
| skim_variable | n_missing | complete_rate | mean | sd | p0 | p25 | p50 | p75 | p100 | hist |
|---|---|---|---|---|---|---|---|---|---|---|
| OBJECTID | 92345 | 0.56 | 39531.35 | 19788.24 | 1886.00 | 20332.00 | 41465.00 | 57796.00 | 72723.00 | ▆▇▆▇▇ |
| STATEFIPS | 92345 | 0.56 | 33.48 | 13.18 | 10.00 | 24.00 | 36.00 | 47.00 | 56.00 | ▇▅▇▅▇ |
| COUNTYFIPS | 92345 | 0.56 | 93.13 | 117.54 | 1.00 | 31.00 | 61.00 | 113.00 | 840.00 | ▇▁▁▁▁ |
| STCOFIPS | 92345 | 0.56 | 33574.94 | 13204.31 | 10001.00 | 24005.00 | 36059.00 | 47037.00 | 56043.00 | ▇▅▇▅▇ |
| TRACT | 92345 | 0.56 | 170494.37 | 277713.10 | 100.00 | 9390.00 | 25417.00 | 185103.00 | 989100.00 | ▇▁▁▁▁ |
| POPULATION | 92345 | 0.56 | 4244.79 | 1633.82 | 0.00 | 3167.00 | 4205.00 | 5273.00 | 22065.00 | ▇▆▁▁▁ |
| BUILDVALUE | 92345 | 0.56 | 612361859.14 | 546290396.72 | 0.00 | 375785000.00 | 516167000.00 | 704579000.00 | 11793248000.00 | ▇▁▁▁▁ |
| AGRIVALUE | 92345 | 0.56 | 1937626.62 | 14216222.89 | 0.00 | 0.00 | 1134.06 | 97991.13 | 1636724092.23 | ▇▁▁▁▁ |
| AREA | 92345 | 0.56 | 21.49 | 177.18 | 0.02 | 0.63 | 1.49 | 4.54 | 8176.93 | ▇▁▁▁▁ |
| RISK_SCORE | 93047 | 0.55 | 23.19 | 10.99 | 0.68 | 14.29 | 21.36 | 30.07 | 68.12 | ▅▇▅▂▁ |
| RISK_NPCTL | 92345 | 0.56 | 56.54 | 28.39 | 0.40 | 34.25 | 58.66 | 81.17 | 99.92 | ▅▅▇▇▇ |
| RISK_SPCTL | 92345 | 0.56 | 56.15 | 28.52 | 0.10 | 32.89 | 58.55 | 81.46 | 100.00 | ▅▅▆▆▇ |
| EAL_SCORE | 92345 | 0.56 | 26.06 | 11.92 | 0.03 | 16.55 | 24.29 | 34.20 | 84.79 | ▅▇▃▁▁ |
| EAL_NPCTL | 92345 | 0.56 | 58.07 | 27.92 | 0.02 | 37.16 | 59.95 | 83.34 | 99.99 | ▃▅▆▆▇ |
| EAL_SPCTL | 92345 | 0.56 | 57.91 | 28.00 | 0.09 | 35.67 | 60.93 | 81.93 | 100.00 | ▃▅▆▇▇ |
| EAL_VALT | 92345 | 0.56 | 14291360.20 | 20182615.63 | 0.01 | 2165420.46 | 6850462.51 | 19109837.82 | 291212541.02 | ▇▁▁▁▁ |
| EAL_VALB | 92345 | 0.56 | 7972036.10 | 15672305.03 | 0.00 | 706592.91 | 2441853.85 | 8569081.72 | 278441053.60 | ▇▁▁▁▁ |
| EAL_VALP | 92345 | 0.56 | 0.85 | 1.34 | 0.00 | 0.07 | 0.37 | 1.03 | 18.83 | ▇▁▁▁▁ |
| EAL_VALPE | 92345 | 0.56 | 6302594.36 | 9925604.53 | 0.00 | 553694.17 | 2704620.84 | 7618184.93 | 139312828.76 | ▇▁▁▁▁ |
| EAL_VALA | 92345 | 0.56 | 16729.75 | 202832.01 | 0.00 | 0.00 | 5.04 | 550.17 | 9042545.99 | ▇▁▁▁▁ |
| SOVI_SCORE | 93047 | 0.55 | 31.14 | 4.14 | 7.07 | 28.69 | 31.08 | 33.51 | 57.32 | ▁▂▇▁▁ |
| SOVI_NPCTL | 92345 | 0.56 | 44.69 | 28.81 | 0.90 | 19.78 | 41.83 | 68.53 | 99.86 | ▇▇▆▅▅ |
| SOVI_SPCTL | 92345 | 0.56 | 44.77 | 28.70 | 0.10 | 19.21 | 41.95 | 68.87 | 100.00 | ▇▇▆▆▅ |
| SOVI_VALUE | 93047 | 0.55 | -0.47 | 2.59 | -15.52 | -2.00 | -0.51 | 1.01 | 15.90 | ▁▂▇▁▁ |
| RESL_SCORE | 92345 | 0.56 | 54.88 | 2.33 | 43.86 | 53.39 | 54.95 | 56.67 | 64.67 | ▁▂▇▃▁ |
| RESL_NPCTL | 92345 | 0.56 | 52.88 | 25.39 | 0.22 | 34.20 | 53.83 | 73.66 | 100.00 | ▃▇▇▇▆ |
| RESL_SPCTL | 92345 | 0.56 | 54.76 | 28.65 | 0.75 | 32.84 | 60.94 | 76.14 | 100.00 | ▅▃▆▇▆ |
| RESL_VALUE | 92345 | 0.56 | 2.74 | 0.12 | 2.19 | 2.67 | 2.75 | 2.83 | 3.23 | ▁▂▇▃▁ |
| AVLN_AFREQ | 199569 | 0.04 | 0.23 | 0.20 | 0.01 | 0.04 | 0.18 | 0.47 | 0.86 | ▇▁▆▁▁ |
| AVLN_EXPB | 199569 | 0.04 | 998143.99 | 23326.85 | 705000.00 | 1000000.00 | 1000000.00 | 1000000.00 | 1000000.00 | ▁▁▁▁▇ |
| AVLN_EXPP | 199569 | 0.04 | 5.00 | 0.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | ▁▁▇▁▁ |
| AVLN_EXPPE | 199569 | 0.04 | 37000000.00 | 0.00 | 37000000.00 | 37000000.00 | 37000000.00 | 37000000.00 | 37000000.00 | ▁▁▇▁▁ |
| AVLN_EXPT | 199569 | 0.04 | 37998143.99 | 23326.85 | 37705000.00 | 38000000.00 | 38000000.00 | 38000000.00 | 38000000.00 | ▁▁▁▁▇ |
| AVLN_HLRB | 199569 | 0.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▁▇▁▁▁ |
| AVLN_HLRP | 199569 | 0.04 | 0.07 | 0.01 | 0.02 | 0.06 | 0.07 | 0.07 | 0.14 | ▁▇▇▁▁ |
| AVLN_EALB | 199569 | 0.04 | 918.62 | 929.59 | 6.22 | 117.91 | 296.58 | 2257.87 | 4097.61 | ▇▂▅▁▁ |
| AVLN_EALP | 199569 | 0.04 | 0.08 | 0.07 | 0.00 | 0.01 | 0.07 | 0.17 | 0.17 | ▇▂▁▁▇ |
| AVLN_EALPE | 199569 | 0.04 | 594231.41 | 533863.31 | 22678.48 | 41758.77 | 495711.40 | 1274471.24 | 1274471.24 | ▇▂▁▁▇ |
| AVLN_EALT | 199569 | 0.04 | 595150.03 | 534671.42 | 22726.18 | 42009.65 | 496547.65 | 1276729.10 | 1276729.10 | ▇▂▁▁▇ |
| AVLN_EALS | 199569 | 0.04 | 55.52 | 25.61 | 21.48 | 26.52 | 61.35 | 84.32 | 84.32 | ▇▁▁▂▇ |
| AVLN_RISKS | 199598 | 0.04 | 40.64 | 20.91 | 10.17 | 19.50 | 40.32 | 60.51 | 100.00 | ▇▃▆▃▁ |
| CFLD_AFREQ | 146411 | 0.30 | 0.31 | 0.82 | 0.00 | 0.00 | 0.00 | 0.03 | 6.54 | ▇▁▁▁▁ |
| CFLD_EXPB | 146411 | 0.30 | 142951969.50 | 332073175.80 | 0.00 | 0.00 | 2052531.88 | 114887057.64 | 4476547956.45 | ▇▁▁▁▁ |
| CFLD_EXPP | 146411 | 0.30 | 905.01 | 1698.63 | 0.00 | 0.00 | 15.87 | 890.05 | 21958.51 | ▇▁▁▁▁ |
| CFLD_EXPPE | 146411 | 0.30 | 6697048982.63 | 12569862607.99 | 0.00 | 0.00 | 117462562.50 | 6586362808.03 | 162492971264.63 | ▇▁▁▁▁ |
| CFLD_EXPT | 146411 | 0.30 | 6840000952.13 | 12829156392.49 | 0.00 | 0.00 | 119263382.23 | 6989423903.10 | 165939961680.05 | ▇▁▁▁▁ |
| CFLD_HLRB | 146411 | 0.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | ▇▁▁▁▁ |
| CFLD_HLRP | 146411 | 0.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| CFLD_EALB | 146411 | 0.30 | 19737.29 | 241871.80 | 0.00 | 0.00 | 0.15 | 70.62 | 10241030.59 | ▇▁▁▁▁ |
| CFLD_EALP | 146411 | 0.30 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.66 | ▇▁▁▁▁ |
| CFLD_EALPE | 146411 | 0.30 | 4860.88 | 63290.93 | 0.00 | 0.00 | 0.12 | 123.78 | 4870999.44 | ▇▁▁▁▁ |
| CFLD_EALT | 146411 | 0.30 | 24598.18 | 255517.76 | 0.00 | 0.00 | 1.12 | 717.62 | 12255865.75 | ▇▁▁▁▁ |
| CFLD_EALS | 146411 | 0.30 | 2.52 | 5.06 | 0.00 | 0.00 | 0.32 | 2.79 | 71.78 | ▇▁▁▁▁ |
| CFLD_RISKS | 146684 | 0.29 | 2.41 | 4.81 | 0.00 | 0.00 | 0.29 | 2.71 | 73.18 | ▇▁▁▁▁ |
| CWAV_EVNTS | 92345 | 0.56 | 2.63 | 4.82 | 0.00 | 0.00 | 0.00 | 4.00 | 182.00 | ▇▁▁▁▁ |
| CWAV_AFREQ | 92345 | 0.56 | 0.20 | 0.35 | 0.00 | 0.00 | 0.00 | 0.25 | 4.28 | ▇▁▁▁▁ |
| CWAV_EXPB | 92345 | 0.56 | 286625739.93 | 561676422.84 | 0.00 | 0.00 | 0.00 | 498948000.00 | 11785452000.00 | ▇▁▁▁▁ |
| CWAV_EXPP | 92345 | 0.56 | 1883.21 | 2304.47 | 0.00 | 0.00 | 0.00 | 3935.25 | 10923.00 | ▇▃▂▁▁ |
| CWAV_EXPPE | 92345 | 0.56 | 13935786187.51 | 17053069842.60 | 0.00 | 0.00 | 0.00 | 29120850000.00 | 80830200000.00 | ▇▃▂▁▁ |
| CWAV_EXPA | 92345 | 0.56 | 1320001.08 | 13239403.72 | 0.00 | 0.00 | 0.00 | 1781.13 | 1636724092.23 | ▇▁▁▁▁ |
| CWAV_EXPT | 92345 | 0.56 | 14223731928.52 | 17380097848.22 | 0.00 | 0.00 | 0.00 | 29752621478.39 | 82369477354.22 | ▇▃▂▁▁ |
| CWAV_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| CWAV_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▂▁▁▁ |
| CWAV_HLRA | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | ▇▂▁▁▁ |
| CWAV_EALB | 92345 | 0.56 | 133.70 | 568.67 | 0.00 | 0.00 | 0.00 | 63.12 | 21801.53 | ▇▁▁▁▁ |
| CWAV_EALP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | ▇▁▁▁▁ |
| CWAV_EALPE | 92345 | 0.56 | 2236.65 | 5727.23 | 0.00 | 0.00 | 0.00 | 1600.05 | 202867.40 | ▇▁▁▁▁ |
| CWAV_EALA | 92345 | 0.56 | 1527.82 | 28859.56 | 0.00 | 0.00 | 0.00 | 0.27 | 3329583.92 | ▇▁▁▁▁ |
| CWAV_EALT | 92345 | 0.56 | 3898.17 | 30750.56 | 0.00 | 0.00 | 0.00 | 2103.85 | 3331138.51 | ▇▁▁▁▁ |
| CWAV_EALS | 92345 | 0.56 | 4.71 | 6.37 | 0.00 | 0.00 | 0.00 | 8.58 | 100.00 | ▇▁▁▁▁ |
| CWAV_RISKS | 93047 | 0.55 | 4.75 | 6.46 | 0.00 | 0.00 | 0.00 | 8.59 | 100.00 | ▇▁▁▁▁ |
| DRGT_EVNTS | 92345 | 0.56 | 239.34 | 294.23 | 0.00 | 28.00 | 105.00 | 357.00 | 2345.00 | ▇▁▁▁▁ |
| DRGT_AFREQ | 92345 | 0.56 | 13.30 | 16.35 | 0.00 | 1.56 | 5.83 | 19.83 | 130.28 | ▇▁▁▁▁ |
| DRGT_EXPA | 92345 | 0.56 | 1198934.61 | 9551503.39 | 0.00 | 0.00 | 0.00 | 21151.55 | 845667091.97 | ▇▁▁▁▁ |
| DRGT_EXPT | 92345 | 0.56 | 1198934.61 | 9551503.39 | 0.00 | 0.00 | 0.00 | 21151.55 | 845667091.97 | ▇▁▁▁▁ |
| DRGT_HLRA | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | ▇▁▁▁▁ |
| DRGT_EALA | 92345 | 0.56 | 9209.34 | 123701.26 | 0.00 | 0.00 | 0.00 | 98.58 | 7454560.15 | ▇▁▁▁▁ |
| DRGT_EALT | 92345 | 0.56 | 9209.34 | 123701.26 | 0.00 | 0.00 | 0.00 | 98.58 | 7454560.15 | ▇▁▁▁▁ |
| DRGT_EALS | 92345 | 0.56 | 2.09 | 4.81 | 0.00 | 0.00 | 0.00 | 1.95 | 82.52 | ▇▁▁▁▁ |
| DRGT_RISKS | 93047 | 0.55 | 1.82 | 4.31 | 0.00 | 0.00 | 0.00 | 1.69 | 81.79 | ▇▁▁▁▁ |
| ERQK_AFREQ | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▁▁▁▁ |
| ERQK_EXPB | 92345 | 0.56 | 612361859.14 | 546290396.72 | 0.00 | 375785000.00 | 516167000.00 | 704579000.00 | 11793248000.00 | ▇▁▁▁▁ |
| ERQK_EXPP | 92345 | 0.56 | 4244.79 | 1633.82 | 0.00 | 3167.00 | 4205.00 | 5273.00 | 22065.00 | ▇▆▁▁▁ |
| ERQK_EXPPE | 92345 | 0.56 | 31411414331.42 | 12090237404.91 | 0.00 | 23435800000.00 | 31117000000.00 | 39020200000.00 | 163281000000.00 | ▇▆▁▁▁ |
| ERQK_EXPT | 92345 | 0.56 | 32023776190.56 | 12249695261.64 | 0.00 | 23817228000.00 | 31719222000.00 | 39716164000.00 | 166744707000.00 | ▇▆▁▁▁ |
| ERQK_HLRB | 92345 | 0.56 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | ▂▁▁▇▁ |
| ERQK_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▁▇▁▁▁ |
| ERQK_EALB | 92345 | 0.56 | 49706.25 | 162752.25 | 0.00 | 1936.10 | 6277.90 | 20463.10 | 3524573.20 | ▇▁▁▁▁ |
| ERQK_EALP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | ▇▁▁▁▁ |
| ERQK_EALPE | 92345 | 0.56 | 10186.16 | 34110.62 | 0.00 | 72.45 | 257.74 | 1219.08 | 362959.12 | ▇▁▁▁▁ |
| ERQK_EALT | 92345 | 0.56 | 59892.41 | 187230.93 | 0.00 | 2043.23 | 6586.66 | 22026.07 | 3742617.68 | ▇▁▁▁▁ |
| ERQK_EALS | 92345 | 0.56 | 10.24 | 8.14 | 0.00 | 5.26 | 7.76 | 11.61 | 64.31 | ▇▂▁▁▁ |
| ERQK_RISKS | 93047 | 0.55 | 10.57 | 8.59 | 0.00 | 5.28 | 7.63 | 12.14 | 63.05 | ▇▂▁▁▁ |
| HAIL_EVNTS | 92345 | 0.56 | 383.78 | 190.02 | 0.00 | 291.00 | 386.00 | 463.00 | 960.00 | ▃▇▇▃▁ |
| HAIL_AFREQ | 92345 | 0.56 | 12.01 | 5.94 | 0.00 | 9.12 | 12.09 | 14.50 | 30.00 | ▃▇▇▃▁ |
| HAIL_EXPB | 92345 | 0.56 | 612352669.10 | 546126988.59 | 0.00 | 375785000.00 | 516167000.00 | 704579000.00 | 11785452000.00 | ▇▁▁▁▁ |
| HAIL_EXPP | 92345 | 0.56 | 4244.78 | 1633.81 | 0.00 | 3167.00 | 4205.00 | 5273.00 | 22065.00 | ▇▆▁▁▁ |
| HAIL_EXPPE | 92345 | 0.56 | 31411374851.27 | 12090229481.38 | 0.00 | 23435800000.00 | 31117000000.00 | 39020200000.00 | 163281000000.00 | ▇▆▁▁▁ |
| HAIL_EXPA | 92345 | 0.56 | 1937626.62 | 14216222.89 | 0.00 | 0.00 | 1134.06 | 97991.13 | 1636724092.23 | ▇▁▁▁▁ |
| HAIL_EXPT | 92345 | 0.56 | 32025665146.99 | 12249517842.38 | 1094.71 | 23817228061.86 | 31724099837.25 | 39716164000.00 | 166744707000.00 | ▇▆▁▁▁ |
| HAIL_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| HAIL_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| HAIL_HLRA | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| HAIL_EALB | 92345 | 0.56 | 51501.22 | 144002.02 | 0.00 | 68.70 | 1202.36 | 15521.94 | 1669524.10 | ▇▁▁▁▁ |
| HAIL_EALP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▁▁▁▁ |
| HAIL_EALPE | 92345 | 0.56 | 4512.05 | 7109.33 | 0.00 | 120.48 | 951.39 | 6318.95 | 77485.82 | ▇▁▁▁▁ |
| HAIL_EALA | 92345 | 0.56 | 2211.86 | 48023.39 | 0.00 | 0.00 | 0.11 | 21.84 | 3833405.91 | ▇▁▁▁▁ |
| HAIL_EALT | 92345 | 0.56 | 58225.13 | 155146.75 | 0.00 | 783.66 | 5120.08 | 27950.71 | 4035286.35 | ▇▁▁▁▁ |
| HAIL_EALS | 92345 | 0.56 | 11.37 | 9.91 | 0.00 | 4.41 | 8.24 | 14.52 | 76.15 | ▇▂▁▁▁ |
| HAIL_RISKS | 93047 | 0.55 | 10.90 | 9.51 | 0.00 | 4.44 | 7.94 | 13.82 | 74.55 | ▇▂▁▁▁ |
| HWAV_EVNTS | 92345 | 0.56 | 16.88 | 27.37 | 0.00 | 2.00 | 9.00 | 16.00 | 583.00 | ▇▁▁▁▁ |
| HWAV_AFREQ | 92345 | 0.56 | 1.35 | 2.13 | 0.00 | 0.16 | 0.74 | 1.32 | 12.44 | ▇▁▁▁▁ |
| HWAV_EXPB | 92345 | 0.56 | 497488782.36 | 587621305.96 | 0.00 | 210892000.00 | 441885000.00 | 647769000.00 | 11785452000.00 | ▇▁▁▁▁ |
| HWAV_EXPP | 92345 | 0.56 | 3343.18 | 2274.48 | 0.00 | 1684.00 | 3678.00 | 4986.00 | 22065.00 | ▇▅▁▁▁ |
| HWAV_EXPPE | 92345 | 0.56 | 24739565518.87 | 16831169544.73 | 0.00 | 12461600000.00 | 27217200000.00 | 36896399833.99 | 163281000000.00 | ▇▅▁▁▁ |
| HWAV_EXPT | 92345 | 0.56 | 25237054301.23 | 17124143912.55 | 0.00 | 12784651000.00 | 27650358827.40 | 37786630556.60 | 166744707000.00 | ▇▅▁▁▁ |
| HWAV_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| HWAV_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| HWAV_EALB | 92345 | 0.56 | 143.92 | 1204.02 | 0.00 | 0.00 | 0.25 | 1.22 | 39271.37 | ▇▁▁▁▁ |
| HWAV_EALP | 92345 | 0.56 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.11 | ▇▁▁▁▁ |
| HWAV_EALPE | 92345 | 0.56 | 18485.18 | 42397.14 | 0.00 | 277.32 | 4794.13 | 16624.65 | 835797.24 | ▇▁▁▁▁ |
| HWAV_EALT | 92345 | 0.56 | 18629.10 | 42671.00 | 0.00 | 285.83 | 4858.67 | 16686.39 | 835801.10 | ▇▁▁▁▁ |
| HWAV_EALS | 92345 | 0.56 | 17.73 | 14.21 | 0.00 | 6.58 | 16.91 | 25.52 | 94.06 | ▇▅▁▁▁ |
| HWAV_RISKS | 93047 | 0.55 | 15.52 | 12.73 | 0.00 | 5.47 | 14.38 | 22.35 | 98.86 | ▇▃▁▁▁ |
| HRCN_EVNTS | 109631 | 0.47 | 7.75 | 8.12 | 0.00 | 1.00 | 5.00 | 12.00 | 66.00 | ▇▂▁▁▁ |
| HRCN_AFREQ | 109631 | 0.47 | 0.09 | 0.09 | 0.00 | 0.01 | 0.07 | 0.14 | 0.44 | ▇▅▂▁▁ |
| HRCN_EXPB | 109631 | 0.47 | 624753079.62 | 576770259.52 | 0.00 | 377225089.43 | 523321000.00 | 724619499.37 | 11785452000.00 | ▇▁▁▁▁ |
| HRCN_EXPP | 109631 | 0.47 | 4264.11 | 1673.14 | 0.00 | 3144.51 | 4199.82 | 5308.00 | 22065.00 | ▇▆▁▁▁ |
| HRCN_EXPPE | 109631 | 0.47 | 31554392325.88 | 12381235848.94 | 0.00 | 23269380531.64 | 31078638471.97 | 39279200000.00 | 163281000000.00 | ▇▆▁▁▁ |
| HRCN_EXPT | 109631 | 0.47 | 32179145405.50 | 12552447693.88 | 0.00 | 23722661000.00 | 31719222000.00 | 39896017000.00 | 166744707000.00 | ▇▆▁▁▁ |
| HRCN_HLRB | 109631 | 0.47 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | ▇▁▁▁▁ |
| HRCN_HLRP | 109631 | 0.47 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| HRCN_EALB | 109631 | 0.47 | 31608.06 | 153192.61 | 0.00 | 104.57 | 491.58 | 6507.93 | 5596205.51 | ▇▁▁▁▁ |
| HRCN_EALP | 109631 | 0.47 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▁▁▁▁ |
| HRCN_EALPE | 109631 | 0.47 | 1312.30 | 3546.39 | 0.00 | 101.16 | 342.41 | 1252.24 | 66988.08 | ▇▁▁▁▁ |
| HRCN_EALT | 109631 | 0.47 | 32920.36 | 155320.94 | 0.00 | 324.57 | 1248.81 | 8022.14 | 5639821.65 | ▇▁▁▁▁ |
| HRCN_EALS | 109631 | 0.47 | 9.22 | 9.16 | 0.00 | 3.69 | 5.79 | 10.76 | 95.66 | ▇▁▁▁▁ |
| HRCN_RISKS | 110299 | 0.47 | 9.08 | 9.29 | 0.00 | 3.50 | 5.48 | 10.68 | 71.08 | ▇▁▁▁▁ |
| ISTM_EVNTS | 105090 | 0.49 | 61.26 | 37.03 | 0.00 | 36.00 | 51.00 | 84.00 | 213.00 | ▆▇▃▁▁ |
| ISTM_AFREQ | 105090 | 0.49 | 0.92 | 0.55 | 0.01 | 0.55 | 0.77 | 1.27 | 3.17 | ▆▇▃▁▁ |
| ISTM_EXPB | 105090 | 0.49 | 617541372.54 | 556095281.78 | 0.00 | 381070000.00 | 519828654.71 | 714169000.00 | 11580914315.80 | ▇▁▁▁▁ |
| ISTM_EXPP | 105090 | 0.49 | 4246.05 | 1632.14 | 0.00 | 3176.00 | 4197.00 | 5261.00 | 22065.00 | ▇▆▁▁▁ |
| ISTM_EXPPE | 105090 | 0.49 | 31420776021.76 | 12077871514.91 | 0.00 | 23502400000.00 | 31057800000.00 | 38931400000.00 | 163281000000.00 | ▇▆▁▁▁ |
| ISTM_EXPT | 105090 | 0.49 | 32038317394.30 | 12241551338.01 | 0.00 | 23919543000.00 | 31649693000.00 | 39723911490.75 | 166744707000.00 | ▇▆▁▁▁ |
| ISTM_HLRB | 105090 | 0.49 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| ISTM_HLRP | 105090 | 0.49 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| ISTM_EALB | 105090 | 0.49 | 5575.88 | 18708.13 | 0.00 | 165.73 | 675.08 | 2224.91 | 534558.58 | ▇▁▁▁▁ |
| ISTM_EALP | 105090 | 0.49 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▁▁▁▁ |
| ISTM_EALPE | 105090 | 0.49 | 5049.28 | 8379.78 | 0.00 | 413.28 | 2152.69 | 6133.46 | 108898.90 | ▇▁▁▁▁ |
| ISTM_EALT | 105090 | 0.49 | 10625.15 | 20982.70 | 0.00 | 1455.50 | 4666.21 | 11226.85 | 538167.76 | ▇▁▁▁▁ |
| ISTM_EALS | 105090 | 0.49 | 21.06 | 10.69 | 0.00 | 13.49 | 19.89 | 26.65 | 96.79 | ▇▇▁▁▁ |
| ISTM_RISKS | 105679 | 0.49 | 17.21 | 8.98 | 0.58 | 10.73 | 16.06 | 21.82 | 73.09 | ▇▇▂▁▁ |
| LNDS_EVNTS | 92345 | 0.56 | 0.04 | 0.49 | 0.00 | 0.00 | 0.00 | 0.00 | 25.00 | ▇▁▁▁▁ |
| LNDS_AFREQ | 92345 | 0.56 | 0.02 | 0.05 | 0.02 | 0.02 | 0.02 | 0.02 | 2.81 | ▇▁▁▁▁ |
| LNDS_EXPB | 92345 | 0.56 | 178612469.65 | 468590152.58 | 0.00 | 0.00 | 34720100.53 | 232555954.49 | 11785451998.97 | ▇▁▁▁▁ |
| LNDS_EXPP | 92345 | 0.56 | 1114.68 | 1666.57 | 0.00 | 0.00 | 205.32 | 1786.21 | 14934.00 | ▇▁▁▁▁ |
| LNDS_EXPPE | 92345 | 0.56 | 8248632942.18 | 12332628868.09 | 0.00 | 0.00 | 1519378523.37 | 13217931076.51 | 110511599951.19 | ▇▁▁▁▁ |
| LNDS_EXPT | 92345 | 0.56 | 8427245411.83 | 12586338552.01 | 0.00 | 0.00 | 1561927340.79 | 13514951445.97 | 111611985950.67 | ▇▁▁▁▁ |
| LNDS_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | ▇▁▁▁▁ |
| LNDS_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| LNDS_EALB | 92345 | 0.56 | 2832.73 | 16818.51 | 0.00 | 0.00 | 25.75 | 1440.76 | 992713.91 | ▇▁▁▁▁ |
| LNDS_EALP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.19 | ▇▁▁▁▁ |
| LNDS_EALPE | 92345 | 0.56 | 1256.78 | 13999.14 | 0.00 | 0.00 | 35.22 | 480.94 | 1384244.50 | ▇▁▁▁▁ |
| LNDS_EALT | 92345 | 0.56 | 4089.50 | 25647.10 | 0.00 | 0.00 | 186.26 | 2052.87 | 1384263.78 | ▇▁▁▁▁ |
| LNDS_EALS | 92345 | 0.56 | 3.54 | 4.25 | 0.00 | 0.00 | 2.61 | 5.82 | 51.03 | ▇▁▁▁▁ |
| LNDS_RISKS | 93047 | 0.55 | 2.75 | 3.40 | 0.00 | 0.00 | 1.97 | 4.42 | 49.00 | ▇▁▁▁▁ |
| LTNG_EVNTS | 92345 | 0.56 | 1483.44 | 1037.88 | 4.00 | 844.00 | 1316.00 | 1936.00 | 5949.00 | ▇▇▂▁▁ |
| LTNG_AFREQ | 92345 | 0.56 | 67.45 | 47.18 | 0.23 | 38.41 | 59.85 | 88.00 | 270.43 | ▇▇▂▁▁ |
| LTNG_EXPB | 92345 | 0.56 | 612352669.10 | 546126988.59 | 0.00 | 375785000.00 | 516167000.00 | 704579000.00 | 11785452000.00 | ▇▁▁▁▁ |
| LTNG_EXPP | 92345 | 0.56 | 4244.78 | 1633.81 | 0.00 | 3167.00 | 4205.00 | 5273.00 | 22065.00 | ▇▆▁▁▁ |
| LTNG_EXPPE | 92345 | 0.56 | 31411374851.27 | 12090229481.38 | 0.00 | 23435800000.00 | 31117000000.00 | 39020200000.00 | 163281000000.00 | ▇▆▁▁▁ |
| LTNG_EXPT | 92345 | 0.56 | 32023727520.37 | 12249657468.90 | 0.00 | 23817228000.00 | 31719222000.00 | 39716164000.00 | 166744707000.00 | ▇▆▁▁▁ |
| LTNG_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| LTNG_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| LTNG_EALB | 92345 | 0.56 | 674.90 | 978.55 | 0.00 | 99.09 | 337.37 | 908.69 | 14324.95 | ▇▁▁▁▁ |
| LTNG_EALP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▁▁▁▁ |
| LTNG_EALPE | 92345 | 0.56 | 6388.56 | 7744.04 | 0.00 | 1564.31 | 3663.71 | 8283.73 | 91897.40 | ▇▁▁▁▁ |
| LTNG_EALT | 92345 | 0.56 | 7063.46 | 8062.00 | 0.00 | 1996.78 | 4340.84 | 9051.72 | 95026.85 | ▇▁▁▁▁ |
| LTNG_EALS | 92345 | 0.56 | 26.49 | 9.62 | 0.00 | 19.56 | 25.34 | 32.37 | 70.88 | ▁▇▅▁▁ |
| LTNG_RISKS | 93047 | 0.55 | 22.89 | 8.80 | 0.80 | 16.39 | 21.52 | 27.78 | 77.76 | ▃▇▂▁▁ |
| RFLD_EVNTS | 92345 | 0.56 | 41.74 | 41.20 | 0.00 | 0.00 | 33.00 | 65.00 | 175.00 | ▇▃▂▁▁ |
| RFLD_AFREQ | 92345 | 0.56 | 1.90 | 1.87 | 0.00 | 0.00 | 1.50 | 2.95 | 7.95 | ▇▃▂▁▁ |
| RFLD_EXPB | 92345 | 0.56 | 41007694.04 | 127716601.54 | 0.00 | 0.00 | 9192778.65 | 29898372.14 | 2607458710.56 | ▇▁▁▁▁ |
| RFLD_EXPP | 92345 | 0.56 | 253.19 | 673.37 | 0.00 | 0.00 | 54.61 | 201.30 | 10733.72 | ▇▁▁▁▁ |
| RFLD_EXPPE | 92345 | 0.56 | 1873615386.53 | 4982954013.32 | 0.00 | 0.00 | 404110657.78 | 1489601713.03 | 79429544422.00 | ▇▁▁▁▁ |
| RFLD_EXPA | 92345 | 0.56 | 242033.43 | 4731754.96 | 0.00 | 0.00 | 0.00 | 4158.82 | 316259919.78 | ▇▁▁▁▁ |
| RFLD_EXPT | 92345 | 0.56 | 1914865113.99 | 5077484111.32 | 0.00 | 0.00 | 417473918.28 | 1524269306.32 | 80998851448.95 | ▇▁▁▁▁ |
| RFLD_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▁▁▁▁ |
| RFLD_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| RFLD_HLRA | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.04 | ▇▂▁▁▁ |
| RFLD_EALB | 92345 | 0.56 | 27818.77 | 149414.13 | 0.00 | 0.00 | 1963.55 | 11905.39 | 3633929.27 | ▇▁▁▁▁ |
| RFLD_EALP | 92345 | 0.56 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.30 | ▇▁▁▁▁ |
| RFLD_EALPE | 92345 | 0.56 | 12494.39 | 43229.61 | 0.00 | 0.00 | 955.27 | 8216.21 | 2192681.75 | ▇▁▁▁▁ |
| RFLD_EALA | 92345 | 0.56 | 2250.23 | 97515.95 | 0.00 | 0.00 | 0.00 | 10.46 | 6874962.02 | ▇▁▁▁▁ |
| RFLD_EALT | 92345 | 0.56 | 42563.40 | 191344.87 | 0.00 | 0.00 | 5703.93 | 29072.34 | 6989530.59 | ▇▁▁▁▁ |
| RFLD_EALS | 92345 | 0.56 | 8.75 | 8.50 | 0.00 | 0.00 | 7.77 | 13.38 | 83.17 | ▇▁▁▁▁ |
| RFLD_RISKS | 93047 | 0.55 | 9.21 | 9.10 | 0.00 | 0.00 | 8.08 | 13.90 | 86.93 | ▇▂▁▁▁ |
| SWND_EVNTS | 92345 | 0.56 | 347.72 | 167.89 | 1.00 | 232.00 | 375.00 | 461.00 | 792.00 | ▃▇▇▅▁ |
| SWND_AFREQ | 92345 | 0.56 | 10.88 | 5.25 | 0.06 | 7.25 | 11.72 | 14.41 | 24.75 | ▃▇▇▅▁ |
| SWND_EXPB | 92345 | 0.56 | 612352669.10 | 546126988.59 | 0.00 | 375785000.00 | 516167000.00 | 704579000.00 | 11785452000.00 | ▇▁▁▁▁ |
| SWND_EXPP | 92345 | 0.56 | 4244.78 | 1633.81 | 0.00 | 3167.00 | 4205.00 | 5273.00 | 22065.00 | ▇▆▁▁▁ |
| SWND_EXPPE | 92345 | 0.56 | 31411374851.27 | 12090229481.38 | 0.00 | 23435800000.00 | 31117000000.00 | 39020200000.00 | 163281000000.00 | ▇▆▁▁▁ |
| SWND_EXPA | 92345 | 0.56 | 1937626.62 | 14216222.89 | 0.00 | 0.00 | 1134.06 | 97991.13 | 1636724092.23 | ▇▁▁▁▁ |
| SWND_EXPT | 92345 | 0.56 | 32025665146.99 | 12249517842.38 | 1094.71 | 23817228061.86 | 31724099837.25 | 39716164000.00 | 166744707000.00 | ▇▆▁▁▁ |
| SWND_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| SWND_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| SWND_HLRA | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| SWND_EALB | 92345 | 0.56 | 24877.35 | 58618.64 | 0.00 | 2335.49 | 6721.18 | 19273.71 | 1850264.48 | ▇▁▁▁▁ |
| SWND_EALP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.07 | ▇▁▁▁▁ |
| SWND_EALPE | 92345 | 0.56 | 27233.77 | 35032.87 | 0.00 | 4514.32 | 12441.70 | 38272.48 | 491050.93 | ▇▁▁▁▁ |
| SWND_EALA | 92345 | 0.56 | 1530.49 | 25226.43 | 0.00 | 0.00 | 0.03 | 9.79 | 3604502.08 | ▇▁▁▁▁ |
| SWND_EALT | 92345 | 0.56 | 53641.60 | 79574.17 | 0.00 | 11476.25 | 28545.77 | 64225.93 | 3741558.66 | ▇▁▁▁▁ |
| SWND_EALS | 92345 | 0.56 | 17.83 | 7.85 | 0.01 | 12.58 | 17.04 | 22.33 | 86.56 | ▇▇▁▁▁ |
| SWND_RISKS | 93047 | 0.55 | 18.43 | 8.28 | 0.75 | 12.79 | 17.23 | 23.09 | 99.14 | ▇▅▁▁▁ |
| TRND_EVNTS | 92345 | 0.56 | 0.40 | 1.13 | 0.00 | 0.00 | 0.00 | 0.00 | 46.00 | ▇▁▁▁▁ |
| TRND_AFREQ | 92345 | 0.56 | 5.95 | 2.74 | 0.06 | 4.53 | 6.56 | 7.78 | 13.91 | ▂▃▇▂▁ |
| TRND_EXPB | 92345 | 0.56 | 327280790.15 | 521380309.94 | 0.00 | 102838794.64 | 254043889.07 | 400324285.88 | 11793248000.00 | ▇▁▁▁▁ |
| TRND_EXPP | 92345 | 0.56 | 2211.74 | 1849.91 | 0.00 | 668.83 | 1928.56 | 3286.89 | 22065.00 | ▇▁▁▁▁ |
| TRND_EXPPE | 92345 | 0.56 | 16366909117.51 | 13689330878.52 | 0.00 | 4949349883.01 | 14271376657.73 | 24322954100.73 | 163281000000.00 | ▇▁▁▁▁ |
| TRND_EXPT | 92345 | 0.56 | 16694189907.66 | 13939817993.27 | 0.00 | 5052512695.42 | 14636998034.86 | 24763417960.19 | 166744707000.00 | ▇▁▁▁▁ |
| TRND_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.05 | ▇▁▁▁▁ |
| TRND_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| TRND_EALB | 92345 | 0.56 | 7760012.69 | 15646752.23 | 0.00 | 440182.45 | 2205435.25 | 8404644.74 | 277930362.69 | ▇▁▁▁▁ |
| TRND_EALP | 92345 | 0.56 | 0.83 | 1.34 | 0.00 | 0.05 | 0.35 | 1.02 | 18.81 | ▇▁▁▁▁ |
| TRND_EALPE | 92345 | 0.56 | 6163292.53 | 9934186.96 | 0.00 | 401381.97 | 2593753.11 | 7531196.97 | 139199515.77 | ▇▁▁▁▁ |
| TRND_EALT | 92345 | 0.56 | 13923305.22 | 20183703.31 | 0.00 | 1606514.18 | 6555220.49 | 18869030.60 | 290671765.35 | ▇▁▁▁▁ |
| TRND_EALS | 92345 | 0.56 | 25.10 | 12.83 | 0.00 | 14.99 | 23.96 | 34.08 | 84.79 | ▅▇▃▁▁ |
| TRND_RISKS | 93047 | 0.55 | 22.45 | 11.82 | 0.24 | 13.04 | 21.04 | 30.07 | 68.44 | ▆▇▅▂▁ |
| TSUN_EVNTS | 203374 | 0.02 | 0.18 | 0.81 | 0.00 | 0.00 | 0.00 | 0.00 | 5.00 | ▇▁▁▁▁ |
| TSUN_AFREQ | 203374 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | ▇▁▁▁▁ |
| TSUN_EXPB | 203374 | 0.02 | 15029671.02 | 127073029.07 | 0.00 | 0.00 | 0.00 | 0.00 | 1454103061.96 | ▇▁▁▁▁ |
| TSUN_EXPP | 203374 | 0.02 | 23.02 | 170.72 | 0.00 | 0.00 | 0.00 | 0.00 | 4641.23 | ▇▁▁▁▁ |
| TSUN_EXPPE | 203374 | 0.02 | 170345111.86 | 1263317971.71 | 0.00 | 0.00 | 0.00 | 0.00 | 34345134035.91 | ▇▁▁▁▁ |
| TSUN_EXPT | 203374 | 0.02 | 185374782.88 | 1322771218.29 | 0.00 | 0.00 | 0.00 | 0.00 | 34838389602.97 | ▇▁▁▁▁ |
| TSUN_HLRB | 203374 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▁▇▁▁▁ |
| TSUN_HLRP | 203374 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| TSUN_EALB | 203374 | 0.02 | 138.83 | 1477.67 | 0.00 | 0.00 | 0.00 | 0.00 | 17643.70 | ▇▁▁▁▁ |
| TSUN_EALP | 203374 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| TSUN_EALPE | 203374 | 0.02 | 2.04 | 18.63 | 0.00 | 0.00 | 0.00 | 0.00 | 686.22 | ▇▁▁▁▁ |
| TSUN_EALT | 203374 | 0.02 | 140.87 | 1486.92 | 0.00 | 0.00 | 0.00 | 0.00 | 17730.93 | ▇▁▁▁▁ |
| TSUN_EALS | 203374 | 0.02 | 0.77 | 4.08 | 0.00 | 0.00 | 0.00 | 0.00 | 42.16 | ▇▁▁▁▁ |
| TSUN_RISKS | 203374 | 0.02 | 0.64 | 3.36 | 0.00 | 0.00 | 0.00 | 0.00 | 34.13 | ▇▁▁▁▁ |
| VLCN_EVNTS | 201924 | 0.03 | 1.21 | 0.60 | 0.00 | 1.00 | 1.00 | 2.00 | 3.00 | ▁▇▁▅▁ |
| VLCN_AFREQ | 201924 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▇▁▅▁ |
| VLCN_EXPB | 201924 | 0.03 | 471038959.02 | 319580907.07 | 0.00 | 352784000.00 | 474248000.00 | 600856000.00 | 2665611000.00 | ▇▃▁▁▁ |
| VLCN_EXPP | 201924 | 0.03 | 3781.44 | 1867.64 | 0.00 | 3248.00 | 4341.00 | 5097.00 | 7594.00 | ▃▂▆▇▁ |
| VLCN_EXPPE | 201924 | 0.03 | 27982686687.06 | 13820526347.62 | 0.00 | 24035200000.00 | 32123400000.00 | 37717800000.00 | 56195599967.80 | ▃▂▆▇▁ |
| VLCN_EXPT | 201924 | 0.03 | 28453725646.08 | 13996912271.63 | 0.00 | 24572747000.00 | 32597901000.00 | 38206897000.00 | 56978843967.23 | ▃▂▆▇▁ |
| VLCN_HLRB | 201924 | 0.03 | 0.08 | 0.03 | 0.00 | 0.07 | 0.09 | 0.09 | 0.26 | ▁▇▁▁▁ |
| VLCN_HLRP | 201924 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▂▇▁▁▁ |
| VLCN_EALB | 201924 | 0.03 | 101964.46 | 100281.35 | 0.00 | 19910.19 | 91317.20 | 150768.99 | 589547.34 | ▇▃▁▁▁ |
| VLCN_EALP | 201924 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▇▂▂▁ |
| VLCN_EALPE | 201924 | 0.03 | 10612.39 | 9011.25 | 0.00 | 2668.45 | 10005.38 | 14426.72 | 43471.21 | ▇▇▂▂▁ |
| VLCN_EALT | 201924 | 0.03 | 112576.85 | 106586.17 | 0.00 | 22831.67 | 103001.81 | 167792.59 | 595753.57 | ▇▅▂▁▁ |
| VLCN_EALS | 201924 | 0.03 | 29.98 | 15.02 | 0.00 | 20.94 | 34.60 | 40.71 | 62.11 | ▃▅▇▇▁ |
| VLCN_RISKS | 201924 | 0.03 | 27.43 | 14.32 | 0.00 | 18.00 | 30.97 | 38.22 | 57.12 | ▃▅▅▇▂ |
| WFIR_AFREQ | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | ▇▁▁▁▁ |
| WFIR_EXPB | 92345 | 0.56 | 9171666.76 | 33191501.55 | 0.00 | 0.00 | 0.00 | 1114162.61 | 560479510.57 | ▇▁▁▁▁ |
| WFIR_EXPP | 92345 | 0.56 | 75.69 | 275.92 | 0.00 | 0.00 | 0.00 | 6.23 | 4523.84 | ▇▁▁▁▁ |
| WFIR_EXPPE | 92345 | 0.56 | 560104882.29 | 2041796140.30 | 0.00 | 0.00 | 0.00 | 46123011.92 | 33476404778.68 | ▇▁▁▁▁ |
| WFIR_EXPT | 92345 | 0.56 | 569276549.06 | 2072050345.17 | 0.00 | 0.00 | 0.00 | 48861133.03 | 33725620732.26 | ▇▁▁▁▁ |
| WFIR_HLRB | 92345 | 0.56 | 0.20 | 0.00 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | ▁▁▇▁▁ |
| WFIR_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| WFIR_EALB | 92345 | 0.56 | 4763.49 | 36702.82 | 0.00 | 0.00 | 0.00 | 12.60 | 2036927.86 | ▇▁▁▁▁ |
| WFIR_EALP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | ▇▁▁▁▁ |
| WFIR_EALPE | 92345 | 0.56 | 166.05 | 2004.26 | 0.00 | 0.00 | 0.00 | 0.23 | 109493.51 | ▇▁▁▁▁ |
| WFIR_EALT | 92345 | 0.56 | 4929.55 | 37521.96 | 0.00 | 0.00 | 0.00 | 13.87 | 2064861.85 | ▇▁▁▁▁ |
| WFIR_EALS | 92345 | 0.56 | 1.91 | 4.97 | 0.00 | 0.00 | 0.00 | 1.23 | 65.01 | ▇▁▁▁▁ |
| WFIR_RISKS | 93047 | 0.55 | 1.70 | 4.53 | 0.00 | 0.00 | 0.00 | 1.02 | 65.04 | ▇▁▁▁▁ |
| WNTW_EVNTS | 92345 | 0.56 | 37.46 | 42.27 | 0.00 | 12.00 | 32.00 | 50.00 | 856.00 | ▇▁▁▁▁ |
| WNTW_AFREQ | 92345 | 0.56 | 2.84 | 2.54 | 0.00 | 0.99 | 2.47 | 4.04 | 27.28 | ▇▁▁▁▁ |
| WNTW_EXPB | 92345 | 0.56 | 552267197.70 | 567799665.35 | 0.00 | 317671000.00 | 480140000.00 | 675600000.00 | 11785452000.00 | ▇▁▁▁▁ |
| WNTW_EXPP | 92345 | 0.56 | 3788.22 | 2028.68 | 0.00 | 2700.00 | 3976.00 | 5143.00 | 14934.00 | ▃▇▂▁▁ |
| WNTW_EXPPE | 92345 | 0.56 | 28032810820.81 | 15012231508.41 | 0.00 | 19980000000.00 | 29422400000.00 | 38058200000.00 | 110511600000.00 | ▃▇▂▁▁ |
| WNTW_EXPT | 92345 | 0.56 | 28585078018.50 | 15251908590.11 | 0.00 | 20438263000.00 | 29971818764.36 | 38761848000.00 | 111611986000.00 | ▃▇▂▁▁ |
| WNTW_HLRB | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| WNTW_HLRP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ▇▁▁▁▁ |
| WNTW_EALB | 92345 | 0.56 | 1792.74 | 5848.05 | 0.00 | 20.18 | 221.42 | 1288.41 | 263685.12 | ▇▁▁▁▁ |
| WNTW_EALP | 92345 | 0.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | ▇▁▁▁▁ |
| WNTW_EALPE | 92345 | 0.56 | 4303.02 | 7674.65 | 0.00 | 227.92 | 1604.45 | 5575.25 | 171438.97 | ▇▁▁▁▁ |
| WNTW_EALT | 92345 | 0.56 | 6095.76 | 10533.89 | 0.00 | 620.60 | 2960.28 | 7966.25 | 367843.70 | ▇▁▁▁▁ |
| WNTW_EALS | 92345 | 0.56 | 17.60 | 10.55 | 0.00 | 10.58 | 17.82 | 24.78 | 88.90 | ▇▇▁▁▁ |
| WNTW_RISKS | 93047 | 0.55 | 9.13 | 5.54 | 0.00 | 5.44 | 9.18 | 12.55 | 46.42 | ▇▇▁▁▁ |
| origdate | 127 | 1.00 | 20090911.87 | 76547.87 | 19650401.00 | 20030910.00 | 20101101.00 | 20160630.00 | 20201215.00 | ▁▁▂▆▇ |
| zip | 92 | 1.00 | 55346.70 | 31204.21 | 603.00 | 29205.00 | 55437.00 | 85716.00 | 99901.00 | ▅▆▃▅▇ |
| mean_actpmt | 7731 | 0.96 | 243752.76 | 2431755.74 | 0.00 | 13689.85 | 31219.88 | 73531.60 | 353841101.48 | ▇▁▁▁▁ |
| median_actpmt | 7731 | 0.96 | 232981.66 | 2591484.46 | 0.00 | 12886.01 | 29002.86 | 66625.18 | 432029863.44 | ▇▁▁▁▁ |
| wac | 10923 | 0.95 | 5.55 | 1.63 | 1.10 | 4.30 | 5.40 | 6.45 | 18.00 | ▃▇▂▁▁ |
| initial_ltv | 7017 | 0.97 | 65.65 | 14.11 | 0.00 | 60.70 | 69.30 | 74.80 | 99.99 | ▁▁▂▇▁ |
| scheduled_principal | 0 | 1.00 | 5128.30 | 468523.23 | 0.00 | 0.00 | 0.00 | 0.00 | 181500000.00 | ▇▁▁▁▁ |
| dscr_trepp | 30912 | 0.85 | 1.63 | 1.48 | -1.54 | 1.27 | 1.38 | 1.60 | 136.00 | ▇▁▁▁▁ |
| dscr_crefc | 165515 | 0.20 | 1.64 | 1.29 | -3.49 | 1.21 | 1.47 | 1.81 | 125.50 | ▇▁▁▁▁ |
| ever_delinquent | 0 | 1.00 | 0.09 | 0.28 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| ever_foreclosed | 0 | 1.00 | 0.04 | 0.20 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| mean_actual_balance | 0 | 1.00 | 7501765.88 | 23214828.90 | 0.00 | 0.00 | 1688845.77 | 6979036.41 | 1430769230.77 | ▇▁▁▁▁ |
| median_actual_balance | 0 | 1.00 | 7770708.10 | 24651561.10 | 0.00 | 0.00 | 776057.11 | 7171564.80 | 1555000000.00 | ▇▁▁▁▁ |
| ltv_under_70 | 7017 | 0.97 | 0.55 | 0.50 | 0.00 | 0.00 | 1.00 | 1.00 | 1.00 | ▆▁▁▁▇ |
| ltv_70_to_75 | 7017 | 0.97 | 0.24 | 0.43 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▂ |
| ltv_75_to_80 | 7017 | 0.97 | 0.19 | 0.39 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▂ |
| ltv_80_to_85 | 7017 | 0.97 | 0.01 | 0.10 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| ltv_85_to_90 | 7017 | 0.97 | 0.00 | 0.06 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| ltv_90_to_95 | 7017 | 0.97 | 0.00 | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| ltv_above_95 | 7017 | 0.97 | 0.00 | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | ▇▁▁▁▁ |
| estimate | 3980 | 0.98 | 80488.78 | 39624.76 | 2499.00 | 52500.00 | 72888.00 | 99750.00 | 250001.00 | ▃▇▃▁▁ |
| moe | 5322 | 0.97 | 16970.53 | 11627.16 | 264.00 | 9278.00 | 14142.00 | 21228.00 | 187975.00 | ▇▁▁▁▁ |
| lon | 0 | 1.00 | -94.47 | 17.40 | -165.58 | -112.16 | -88.29 | -80.20 | 144.79 | ▃▇▁▁▁ |
| lat | 0 | 1.00 | 36.83 | 5.10 | 13.46 | 33.49 | 36.86 | 40.73 | 65.07 | ▁▅▇▁▁ |
Scatterplots
Logged Wildfire Risk by Census Tract
Wildfire Risk by Census Tract
Wildfire Annualized Frequency by Tract
Riverine Flood Risk by Tract